Published decisions
364
Firm-specific decision volume in the public corpus
Firm 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 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%.
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%.
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.
Representative cases
5 examples shown
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)
View source decisionDRN-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)
View source decisionDRN-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)
View source decisionDRN-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)
View source decisionDRN-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)
View source decision