We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 356 results
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Decision Reference DRN-4111457
16 May 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4111457 The complaint Mr C complains that Creation Financial Services Limited lent to him irresponsibly. What happened Mr C applied for a Creation credit card in 2011. The account was closed in 2016. Mr C complained to Creation. He said it had lent irresponsibly to him. Our investigato... (2 pages)View decision -
Decision Reference DRN-4030652
15 May 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4030652 The complaint Mr R complains that Creation Financial Services Limited {‘CFS’} weren’t able to process a payment to his credit card account and that when he asked to speak to a manager the agent didn’t connect him to a manager. What happened Mr R called CFS to tell them that he’... (2 pages)View decision -
Decision Reference DRN-4011217
10 May 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4011217 The complaint Mr J complains that Creation Financial Services Limited failed to make a reasonable adjustment to the persistent debt payment on his credit card account when he made a lump sum payment. What happened Mr J made a significant payment to his credit card with Creation... (3 pages)View decision -
Decision Reference DRN-4061016
4 May 2023 Creation Financial Services Limited Not upheldConsumer CreditDRN-4061016 The complaint Mr K complains that Creation Financial Services Limited, who I’ll call “Creation”, didn’t uphold a claim he made to them under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened The details of this complaint are well known to both parties, so... (2 pages)View decision -
Decision Reference DRN-3840851
3 May 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3840851 The complaint Mr B is unhappy with the outcome of his dispute with Creation Financial Services Limited trading as Creation, about a faulty car. He’s also unhappy with the time Creation took to deal with both the dispute and his complaint about it. What happened In July 2017, Mr... (4 pages)View decision -
Decision Reference DRN-4060605
2 May 2023 Creation Financial Services Limited UpheldConsumer CreditDRN-4060605 The complaint Mr D complains about the quality of a car he has been financing through an agreement with Creation Financial Services Limited, who I’ll call Creation. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. In... (3 pages)View decision -
Decision Reference DRN-3990856
20 Apr 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3990856 The complaint Mrs P complains that Creation Financial Services Limited closed her account without a reason. She would like to know the reason. She is unhappy the closure has affected her credit rating. What happened Mrs P had an account with Creation. On 20 January 2022 Creatio... (2 pages)View decision -
Decision Reference DRN-4068992
6 Apr 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4068992 The complaint Mr F complains that Creation Financial Services Limited treated him unfairly when it declined claims he made under section 75 of the Consumer Credit Act 1974 (CCA). Mr F is represented by a claims management company but I’ll refer generally to everything that’s be... (6 pages)View decision -
Decision Reference DRN-3950073
31 Mar 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3950073 The complaint Mr H complains about the way Creation Financial Services Limited treated him, when we raised a chargeback claim with them. What happened Mr H has a credit card account with Creation. The credit card is branded using a sperate company’s logo, which allows Mr H acce... (3 pages)View decision -
Decision Reference DRN-4012663
30 Mar 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4012663 The complaint Mr H complains that he and his wife were mis-sold a points-based timeshare product in 2012. Because the purchase was funded in part with Mr H’s Sygma Bank credit card, issued by Creation Financial Services Limited, he says that he has a claim against Creation in t... (3 pages)View decision
