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-4005688
10 Mar 2023 Creation Financial Services Limited UpheldConsumer CreditDRN-4005688 The complaint Miss O complains that Creation Financial Services Limited (“Creation”) have wrongly asked her to pay £1,182.95 to settle her car finance account. What happened Miss O acquired a car in February 2018 through a fixed sum loan agreement provided by Creation. In early... (4 pages)View decision -
Decision Reference DRN-3976652
24 Feb 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3976652 The complaint Ms B has complained about the way Creation Financial Services Limited (Creation) handled her request for money back in relation to flights she’d paid for using her credit card. What happened In February 2020 Ms B paid for return flights for her and her partner to ... (5 pages)View decision -
Decision Reference DRN-3973253
17 Feb 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3973253 The complaint Ms B complains that Creation Financial Services Limited failed to collect a direct debit payment. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: In February 2022 Creation sent Ms B a credi... (2 pages)View decision -
Decision Reference DRN-3926866
7 Feb 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3926866 The complaint Mr A complains that Creation Financial Services Limited declined his claim under section 75 of the Consumer Credit Act 1974 for a refund of his purchase of a faulty computer monitor. What happened In March 2022 Mr A bought a computer monitor for £1,214. The purcha... (2 pages)View decision -
Decision Reference DRN-3869373
2 Feb 2023 Creation Financial Services Limited Not upheldConsumer CreditDRN-3869373 The complaint Mr O complains that Creation Financial Services Limited rejected his claim for compensation under section 75 of the Consumer Credit Act 1974 in relation to a suite of furniture. What happened In September 2019 Mr O bought some faux leather furniture, financed with... (2 pages)View decision -
Decision Reference DRN-3918399
2 Feb 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3918399 The complaint This complaint has been made on behalf of the estate of the late Mrs S. Her daughter and representative, Mrs W, complains that Creation Financial Services Limited (“Creation”) irresponsibly granted her late mother a Selfridges store card account. She has requeste... (3 pages)View decision -
Decision Reference DRN-3924326
25 Jan 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3924326 The complaint Mr S complains that Creation Financial Services Limited mishandled his request to access his personal data which it held in respect of a credit agreement. What happened Mr S held a credit card account with Creation and had done so for around four years. This credi... (3 pages)View decision -
Decision Reference DRN-3880257
24 Jan 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3880257 The complaint Mr P complains that Creation Financial Services Limited (“Creation”) were wrong not to process a claim he made to them under the chargeback scheme and under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened I issued my provisional decision o... (5 pages)View decision -
Decision Reference DRN-3915876
20 Jan 2023 Creation Financial Services Limited UpheldConsumer CreditDRN-3915876 The complaint Mr A complains about the management and administration of his ‘account’ by Creation Financial Services Limited (“Creation”). In particular Mr A is unhappy with information recorded by Creation with one or more third party credit reference agencies in respect of hi... (4 pages)View decision -
Decision Reference DRN-3893719
11 Jan 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3893719 The complaint Ms E complains about a claim she made to Creation Financial Services Limited (“Creation”) under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened I issued my provisional decision on this complaint in December 2022. An extract from that provi... (4 pages)View decision
