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 355 results
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Decision Reference DRN-4833040
10 Feb 2025 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4833040 The complaint Mr C complains that Creation Financial Services Limited (‘Creation’) will not refund the cost of a sofa suite which he paid and bought for his mother using his credit card. What happened Following the passing of Mr C’s father, Mr C decided to purchase a new so... (4 pages)View decision -
Decision Reference DRN-5042273
3 Jan 2025 Creation Financial Services Limited UpheldBanking and PaymentsDRN-5042273 The complaint Mr F complains that Creation Financial Services Limited (“Creation”) misallocated his payments and provided poor customer service when he sought clarification. What happened Mr F has a credit card account with Creation which has a flex facility. This allows cus... (3 pages)View decision -
Decision Reference DRN-5120314
30 Dec 2024 Creation Financial Services Limited UpheldConsumer CreditDRN-5120314 The complaint Mr B complains that Creation Financial Services Limited trading as Creation (Creation) defaulted his account. What happened In July 2022, Mr B started a Buy Now Pay Later credit agreement at a retailer. The limit was £1,000 and was interest free on the first pu... (4 pages)View decision -
Decision Reference DRN-5153119
11 Dec 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-5153119 The complaint Mr H complains that Creation Financial Services Limited decreased the credit limit on his credit card. What happened Mr H holds a credit card with Creation. On 8 May 2024 Creation decreased the credit limit on the card to £800 and sent a letter to Mr H informin... (2 pages)View decision -
Decision Reference DRN-4968664
12 Nov 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4968664 The complaint Mr T complains that Creation Financial Services Limited hasn’t provided the requested breakdown of the interest charges, and how they were calculated for the period from the initiation of a 0% balance transfer in December 2022, on his credit card account. What ... (3 pages)View decision -
Decision Reference DRN-5070199
10 Oct 2024 Creation Financial Services Limited UpheldBanking and PaymentsDRN-5070199 The complaint Mr M complains that he was unable to use the “Flex” option when making a purchase using his credit card, issued by Creation Financial Services Limited. As a result, he has had to pay interest on the purchase. What happened Mr M has a credit card, issued by Crea... (3 pages)View decision -
Decision Reference DRN-4895405
5 Sep 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4895405 The complaint Mr B complains about the way that Creation Financial Services Limited has dealt with his credit card account. What happened Mr B owes money to Creation Financial Services under a credit agreement. He complained to it about a number of issues in April 2024, incl... (3 pages)View decision -
Decision Reference DRN-4819518
21 Aug 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4819518 The complaint Mr M complains that Creation Financial Services Limited trading as Creation decreased the credit limit on his credit card. And he complains that Creation failed to give him adequate notice of that change causing him concerns when he was notified his spending wa... (3 pages)View decision -
Decision Reference DRN-4963963
20 Aug 2024 Creation Financial Services Limited Not upheldConsumer CreditDRN-4963963 The complaint Ms H complains about contact from Creation Financial Services Limited asking her to make repayments to a debt she believed was already cleared in full. What happened Ms H has a credit card with Creation. In February 2022 Ms H raised a complaint with Creation a... (3 pages)View decision -
Decision Reference DRN-4596966
14 Aug 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4596966 The complaint Mr M complains that Creation Financial Services Limited won’t refund him his money for a package holiday. What happened In February 2020 Mr M used his Creation credit card to part pay for a package holiday for his family to Greece. Due to th... (5 pages)View decision
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