Published decisions
365
Firm-specific decision volume in the public corpus
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.
Upheld rate
53.1%
194 upheld decisions
Page summary
365 published decisions involving Creation Financial Services Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
365
Firm-specific decision volume in the public corpus
Upheld rate
53.1%
194 upheld decisions
Latest published decision 17 Mar 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
365
Firm-specific decision volume in the public corpus
Upheld rate
53.1%
194 upheld decisions
Leading product
Banking and Payments
168 decisions
Leading complaint theme
Delay In Claim Handling
48 tagged decisions
Creation Financial Services Limited at a glance
AnalysisCreation Financial Services Limited appears in 365 published decisions in this corpus. 53.1% 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 168 decisions and an upheld rate of 57.7%.
- Latest active year in the published data: 2026 (1 decisions)
- Most common complaint theme: Delay In Claim Handling
- Most common precedent signal: Section 75 Cca
Volume and outcome trajectory
AnalysisCreation Financial Services Limited's decision trail runs from 2013 to 2026. 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 1 published decisions with an upheld rate of 0.0%.
- 2026: 1 decisions, 0.0% upheld
- 2025: 11 decisions, 36.4% upheld
- 2024: 18 decisions, 44.4% upheld
- 2023: 70 decisions, 68.6% upheld
- 2022: 46 decisions, 63.0% upheld
Themes, products, and precedent signals
AnalysisDelay 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: 168 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-588068217 Mar 2026Not upheld
Creation Financial Services Limited · Banking and Payments
My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr B to accept or reject my decision before 14 April 2026.
View source decisionDRN-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)
View source decisionDRN-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)
View source decisionDRN-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)
View source decisionDRN-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)
View source decision