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-3843429
3 Jan 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3843429 The complaint Mrs H complains Creation Financial Services Limited reduced her credit limit from £5,600 to £500 with little reasoning and that they provided her with poor customer service. What happened Mrs H has a credit card with Creation. The credit limit was £5,600, but on 2... (3 pages)View decision -
Decision Reference DRN-3789848
15 Dec 2022 Creation Financial Services Limited Not upheldConsumer CreditDRN-3789848 The complaint Ms Y complains about the quality of two sofas she purchased under a fixed sum loan agreement (“agreement”) with Creation Financial Services Limited (“Creation”). What happened Ms Y purchased two sofas at a cost of £2,465 from a company that I will call “H”. Ms Y a... (3 pages)View decision -
Decision Reference DRN-3678778
30 Nov 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3678778 The complaint Mr R complains Creation Consumer Finance Limited (Creation) unfairly blocked his credit card account while on holiday, because he refused to answer unreasonable security questions. What happened Mr R says while on holiday overseas, in late April 2022 he attempted ... (2 pages)View decision -
Decision Reference DRN-3601975
29 Nov 2022 Creation Financial Services Limited UpheldConsumer CreditDRN-3601975 The complaint Mr C complains Creation Financial Services Limited trading as Creation failed to contact him before they closed his credit card account. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The facts aren’t... (2 pages)View decision -
Decision Reference DRN-3585304
25 Nov 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3585304 The complaint Mr H complains that Creation Financial Services Limited (“Creation”) provided him with credit he couldn’t afford to repay. What happened Creation approved a credit card application for Mr H in July 2018. The credit limit was set at £1,000 and doesn’t appear to hav... (2 pages)View decision -
Decision Reference DRN-3541458
22 Nov 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3541458 The complaint Mr B complains that Creation Financial Services Limited (Creation) sold his account and therefore his personal information to a third party, when it had no right to do so. What happened Mr B had a credit card account with Creation, the account was taken out in 201... (3 pages)View decision -
Decision Reference DRN-3513924
26 Oct 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3513924 The complaint Mr C complains about the way Creation Financial Services Limited handled his chargeback claim, and his claim under section 75. What happened Mr C hired a car from a retailer and paid using his Creation credit card. An issue arose over sums charged to Mr C in respe... (3 pages)View decision -
Decision Reference DRN-3483203
21 Oct 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3483203 The complaint Mr S complains that Creation Financial Services Limited have unfairly reduced the credit limit on his credit card. He wants it to be reinstated to its former level. What happened Mr S had held a credit card with Creation for some time. His credit limit prior to th... (2 pages)View decision -
Decision Reference DRN-3678467
7 Oct 2022 Creation Financial Services Limited Not upheldConsumer CreditDRN-3678467 The complaint Mr H complains he has been charged interest on a buy now pay later (“BNPL”) agreement with Creation Financial Services Limited (“Creation”). What happened Mr H purchased a new vacuum cleaner and used a ‘Buy Now Pay Later’ (“BNPL”) fin... (3 pages)View decision -
Decision Reference DRN-3423391
6 Oct 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3423391 The complaint Miss O complains that Creation Financial Services Limited irresponsibly provided her with a credit card that she couldn’t afford the repayments on. What happened Miss O applied for and received a credit card from Creation in November 2017. There was an initial cre... (3 pages)View decision
