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 361 results
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Decision Reference DRN-4276978
9 Nov 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4276978 The complaint Mr M complains Creation Financial Services Limited haven’t defaulted his credit card with them after he fell into arrears. What happened Mr M’s let us know that from August 2018 his account was managed by a debt charity as he’d fallen into arrears on the account. ... (2 pages)View decision -
Decision Reference DRN-4406012
2 Nov 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4406012 The complaint Mr M complains that Creation Financial Services Limited unfairly closed his credit card accounts and left searches on his credit file. He’d like these searches removed and compensation. What happened Mr M had a credit card account with Creation. This account offer... (2 pages)View decision -
Decision Reference DRN-4323221
26 Oct 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4323221 The complaint Mr S complains that Creation Financial Services Limited blocked and closed his account without a reason. He’d like compensation for the way he was treated. What happened Mr S had an account with Creation. On 24 August 2021 He received a letter from Creation saying... (3 pages)View decision -
Decision Reference DRN-4299577
23 Oct 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4299577 The complaint Mrs M complains that Creation Financial Services Limited didn’t default her account when she went into a payment arrangement. She also complains that Creation charged fees to her account after she had notified it that she was in financial difficulties. What happen... (3 pages)View decision -
Decision Reference DRN-4350790
3 Oct 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4350790 The complaint Ms K complains that Creation Financial Services Limited unfairly closed her account, didn’t credit her points, a free night stay voucher or refund the annual fee. She’d like her benefits credited and compensation for the impact and time taken to resolve the issue.... (3 pages)View decision -
Decision Reference DRN-4297839
2 Oct 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4297839 The complaint Mr G complains that Creation Financial Services Limited unfairly closed his account, didn’t credit his points, a free night stay voucher or refund the annual fee. He’d like his benefits credited and compensation for the impact and time taken to resolve the issue. ... (3 pages)View decision -
Decision Reference DRN-4374593
29 Sep 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4374593 The complaint Mr H complains that Creation Financial Services Limited closed his credit card account without notice, leaving him without a cashback offer or reward points. He’d like these to be paid to him, and compensation for the time taken to resolve the issue. What happened... (4 pages)View decision -
Decision Reference DRN-4371568
28 Sep 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4371568 The complaint Mr D has complained that Creation Financial Services Limited (“Creation”) has unfairly turned down a claim he made under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened Mr D was contacted by someone from a business I’ll call “Business I”. He says... (8 pages)View decision -
Decision Reference DRN-4312874
18 Sep 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4312874 The complaint Mrs M complains that Creation Financial Services Limited was irresponsible in its lending to her. What happened Mrs M says that Creation didn’t carry out adequate affordability checks before providing her with a credit card account with a £7,500 credit limit. She ... (3 pages)View decision -
Decision Reference DRN-4320013
14 Sep 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4320013 The complaint Miss C complains that Creation Financial Services Limited unfairly closed her account, didn’t credit her points, a free night stay voucher or refund the annual fee. She also says Creation gave her misleading information during a phonecall. She’d like her benefits ... (3 pages)View decision
