Firm analysis

Creation Financial Services Limited complaint analysis

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

Page summary

364 published decisions involving Creation Financial Services Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

364

Firm-specific decision volume in the public corpus

Upheld rate

53.3%

194 upheld decisions

Latest published decision 12 Dec 2025

Published decisions

364

Firm-specific decision volume in the public corpus

Upheld rate

53.3%

194 upheld decisions

Leading product

Banking and Payments

167 decisions

Leading complaint theme

Delay In Claim Handling

48 tagged decisions

Creation Financial Services Limited at a glance

Creation Financial Services Limited appears in 364 published decisions in this corpus. 53.3% 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.

Banking and Payments is the firm’s clearest product exposure in the published decisions, with 167 decisions and an upheld rate of 58.1%.

  • Latest active year in the published data: 2025 (11 decisions)
  • Most common complaint theme: Delay In Claim Handling
  • Most common precedent signal: Section 75 Cca

Volume and outcome trajectory

Creation Financial Services Limited'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 Financial Services Limited appeared in 11 published decisions with an upheld rate of 36.4%.

  • 2025: 11 decisions, 36.4% upheld
  • 2024: 18 decisions, 44.4% upheld
  • 2023: 70 decisions, 68.6% upheld
  • 2022: 46 decisions, 63.0% upheld
  • 2021: 35 decisions, 48.6% upheld

Themes, products, and precedent signals

Delay In Claim Handling is the strongest complaint-theme signal tied to Creation Financial Services Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Section 75 Cca, Consumer Credit Act 1974, Conc, 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.

  • Banking and Payments: 167 decisions
  • Second complaint theme: Non-disclosure Or Misrepresentation
  • Second precedent signal: Consumer Credit Act 1974

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-585761712 Dec 2025Not upheld

Creation Financial Services Limited · Banking and Payments

DRN-5857617 The complaint Creation Financial Services Limited (Creation) provided Mrs F with a credit card in 2012. It had a credit limit of £2,500. Mrs F says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t r... (2 pages)

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DRN-568901221 Nov 2025Not upheld

Creation Financial Services Limited · Banking and Payments

DRN-5689012 The complaint Mr K complained about the way Creation Financial Services Limited responded to a claim for money back for purchases of goods and services he made using his credit card. What happened Mr K said he bought a boiler including installation for around £2,980 in May ... (3 pages)

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DRN-595178814 Nov 2025Upheld

Creation Financial Services Limited · Banking and Payments

DRN-5951788 The complaint Mr S complains about Creation Financial Services Limited closing his account in respect of persistent debt. What happened I won’t repeat the background in detail as it is familiar to all parties. This reflects my informal remit. Mr S had a credit card account w... (3 pages)

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DRN-573887428 Aug 2025Not upheld

Creation Financial Services Limited · Banking and Payments

DRN-5738874 The complaint Mr F complains that Creation Financial Services Limited (Creation) has treated him unfairly in relation to its obligations with regard to a payment he made using his credit card. What happened Between 17 and 25 November 2024, Mr F and his family stayed at a hot... (4 pages)

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DRN-569547016 Jul 2025Not upheld

Creation Financial Services Limited · Banking and Payments

DRN-5695470 The complaint Mr T complains that Creation Financial Services Limited declined his claim made under Section 75 of the Consumer Credit Act 1974 (CCA). He’d like the claim accepted. What happened In August 2023 Mr T used his Creation credit card to pay £4,400 towards an agree... (3 pages)

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