Firm analysis

Creation Consumer Finance Ltd complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Creation Consumer Finance Ltd, including outcome context, product mix, complaint themes, and representative cases.

Page summary

1,180 published decisions involving Creation Consumer Finance Ltd, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

1,180

Firm-specific decision volume in the public corpus

Upheld rate

65.6%

774 upheld decisions

Latest published decision 29 Dec 2025

Published decisions

1,180

Firm-specific decision volume in the public corpus

Upheld rate

65.6%

774 upheld decisions

Leading product

Consumer Credit

750 decisions

Leading complaint theme

Non-disclosure Or Misrepresentation

149 tagged decisions

Creation Consumer Finance Ltd at a glance

Creation Consumer Finance Ltd appears in 1,180 published decisions in this corpus. 65.6% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Consumer Credit is the firm’s clearest product exposure in the published decisions, with 750 decisions and an upheld rate of 66.5%.

  • Latest active year in the published data: 2025 (103 decisions)
  • Most common complaint theme: Non-disclosure Or Misrepresentation
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Creation Consumer Finance Ltd's decision trail runs from 2013 to 2025. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Creation Consumer Finance Ltd appeared in 103 published decisions with an upheld rate of 33.0%.

  • 2025: 103 decisions, 33.0% upheld
  • 2024: 231 decisions, 76.2% upheld
  • 2023: 105 decisions, 61.9% upheld
  • 2022: 164 decisions, 74.4% upheld
  • 2021: 156 decisions, 70.5% upheld

Themes, products, and precedent signals

Non-disclosure Or Misrepresentation is the strongest complaint-theme signal tied to Creation Consumer Finance Ltd in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Section 75 Cca, Section 140a Cca, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Consumer Credit: 750 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Section 75 Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-602069229 Dec 2025Upheld

Creation Consumer Finance Ltd · Consumer Credit

DRN-6020692 The complaint Mr P complains that Creation Consumer Finance Ltd (Creation) acted irresponsibly by agreeing to lend to him. What happened Around March 2023 Mr P entered into a Fixed Sum loan agreement with Creation for £15,000. He said the purpose of the loan was for home i... (4 pages)

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DRN-579665418 Dec 2025Not upheld

Creation Consumer Finance Ltd · Consumer Credit

DRN-5796654 The complaint Mr B complains that Creation Consumer Finance Ltd unfairly reported missed payments on his credit file. What happened Mr B says he entered into an interest free credit agreement with Creation in March 2023, but that, following changes to his bank account, his ... (3 pages)

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DRN-586934918 Dec 2025Not upheld

Creation Consumer Finance Ltd · Consumer Credit

DRN-5869349 The complaint Mr H has complained that Creation Consumer Finance Ltd “Creation” declined his claim against it under Section 75 of the Consumer Credit Act 1974. What happened The circumstances leading up to this claim aren’t disputed so I’ve only briefly set them out here. I... (4 pages)

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DRN-602931118 Dec 2025Not upheld

Creation Consumer Finance Ltd · Consumer Credit

DRN-6029311 The complaint Mr P complains about the way Creation Consumer Finance Ltd (‘Creation’) dealt with his claim for a refund. Mr P is being represented. Any references to Mr P will include evidence and information provided by his representative. What happened The background to th... (2 pages)

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DRN-602060615 Dec 2025Upheld

Creation Consumer Finance Ltd · Consumer Credit

DRN-6020606 The complaint Miss T complains about how Creation Consumer Finance Ltd has reported to her credit file. What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving disputes with m... (5 pages)

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