Avoid at all costs, unless you enjoy technical errors being made your personal problem! The payment system is beyond a scam, let alone the portal where any change made doesn't actually get processed e.g. change of direct debit date. Having been told twice to ring up and make a manual phone payment (of which I did) due to an technical issue with the Direct Debit system, I was then placed into arrears day later. Creation then confirmed it was a technical error yet, still took the second payment to clear arrears (which was incorrect) and made NO attempt to resolve the credit file history as requested. This then happened the following month in January 2024, being informed I should once again pay over the phone. Thus, they were happy to admit a technical error not being my fault yet, still took 2 payments and did nothing / nor even care about arrears showing on credit file, having followed all instructions correctly. Whilst it did arise the direct debit issue was a NatWest technical error, Creation accepted phone payment but this never transferred to payment history. Why? They stated phone payments do not count towards 'direct debit arrears'...despite telling me...twice...to make a phone payment. To make it worse...I changed the payment date TWICE times on 22/01/2024 and then 01/02/2024 to the 26th of each month. I did this twice as despite having email confirmation of the change...Creation portal still showed the date as 22nd of each month. They then confirmed today on 16/02/2024 that payment date can only been changed 8 days before due date...I did it twice...starting 1 whole month prior. When contacting Creation, customer service is NOT logging notes from previous calls so the new responder can confirm prior actions and next steps discussed. This is actually a complete breach of information security standards as you MUST be able to evidence the outcome of each 'incident'. So when ringing today to ask why my payment date was still showing as 22nd, I was advised to let the the account go into arrears by seeing if their system can take payment via direct debit. Having already been WRONGLY placed into arrears because phone payments do not transfer to payment history / balance clearly (TWICE), I was actually advised to allow further credit file damage because you guessed it...THERE TECHNICAL ERROR. WHICH WAS ADMITTED BY THE TECHNICAL TEAM IN DECEMBER 2023 HENCE WHY PHONE PAYMENTS WERE REQUESTED! So if you want a £33.54 phone contract to damage your credit file and then spend half your time trying to send Creation their own email confirmations as proof - this is the perfect company for you. If you do not want damage to your credit file, I suggest avoiding Creation at all costs. The technical systems and operating standards in how they log/report/share outcomes with customers is non-existent nor do they actually care. Imagine advising someone whose already followed your instructions correctly TWICE to actually wake up to see if an account has gone into arrears. Despite admitting errors, they refused to even add credit back to balance. My monthly payment is £33.54 yet, I paid £67.08 as they then said phone payments do not count towards 'direct debit arrears'. So I actually paid £67.08 in December and then January - which is DOUBLE the total amount each month. I was also asked to send a full copy of my credit file from the company placing me in arrears for their technical arrears, to maybe see if they could reverse the error working with credit agencies. Talk about impertinent. I am currently progressing with legal advice, dealing with the Ombudsman and raised reports to Watchdog / Panorama / Martin Lewis. Mistakes happen but trying to dismiss claims, then confirming you are in fact correct and continually getting it wrong more than once is unforgivable. Fortunately, NatWest and the Ombudsman have confirmed remedial action for my credit file is more than likely with initial evidence already. It is the stress, saying one thing and then doing another and impact on my credit file as to why I am deeply disappointed / shocked. A financial company actually advised someone to let an account go into arrears to see if payment is made...all for...£33.54. Sorry for the rant, I have nothing but frustration and upset towards Creation. I do not want anyone to make the same error.