“Made 2 purchase from Currys, one I collected from store the other was a laptop I asked for delivery!
The laptop was never delivered and got returned back to currys!
I spoke to Currys who confirmed it had been returned, also pricing was wrong on my creation account £229 for a mouse which was in fact £12.99 . I was making payments by direct debit for the other purchase! they were taking payments for both items and after numerous phone calls they would not reduce the dd for the item not received! I cancelled it and I kept phoning to try get the credit for the laptop after 12 months it was finally sorted!
They then placed 2 late marks on my credit file ruining my business even though there portal never works and I couldn't make payments and I set up a dd 3 times and it was never taken...
They ruined my business credit as I had proof of payments I had to make by standing order! 18 months down the line they send me just short of £200 back for some reason then the day after send me a letter saying I am £228 in arrears and place yet another late Mark on my file!
No one ever calls me back... I am now following Legal Advice.
DO NOT RISK USING THIS COMPANY.”
“No stars for this company. Owned by a global bank , Bnp Paribas. They don't look after the little person. I'm out of pocket over £ 800 dealing with creation finance. Would of expected better from a world wide bank .”
“I took out finance with this company but now pay later with currys but i could not get through to my creation account because it was an old e mail address after several calls and e mails which were ignored I decided to send the item back to currys within the 14 day cooling off period. Six months later I started getting texts and letters that i owed them money. Tried calling and e mailing eventually had to go to currys to get it sorted. I still have not received any response to my complaints from creation not a letter of apology or to verify that i do not owe them money. Ive taken it up with trading standards and the financial ombudsman. Please for your sanity don’t have dealings with this company. They should be looked into by trading standards. Im still waiting for a reply as to why i was hounded in this way”
“Corrupt and disgusting, charged me £32.33 for an apparent missed payment of £30.00 for my home insurance, checked my account online which stated up to date and nothing owing showing payment taken on 28th May, contacted them to put things right but simply ignored, now i receive a letter from CIA telling me they have cancelled my insurance which is with Arkel Elite and i am in arrears but i am clearly not, trouble with these online companies, as they say, to many cooks spoil the broth. Good news is i just did a comparison and saved £10.00 per month anyway, i shall now buy online and never set up a direct debit or use this lot ever again.”
“Worst finance company - avoid if possible. Site inaccessible for months a couple years back. Now accessible and won't let you pay if 'too close' to direct debit date. I don't have a DD with them, nor can I set one up. App doesn't work. A finance company not taking payments is surely illegal? 12%? reviewers recommend says much.”
“You cannot withdraw your money from this swindle, so you keep investing.I got in touch with S I M O N C H. C O M after reading a testimonial review on the website about how they had assisted in returning stolen money. They amazed me by returning my money without causing me any worry in less than a week.”
“1.5 out of 5 , that tells the story. This company is owned by Bnp bank . Great when they want your business. Ring you all the time . When it goes wrong . WOW NOBODY WANTS TO KNOW . A big bank ? Not for the little person they are not. I'm out of pocket min £ 800 dealing with these ppl . They don't care , just try passing all the fault to the next person . Don't touch them.”
“What an absolute obvious scam. Hike the interest and won't let you pay your balance too close to your direct debit date so they can add more interest on. Don't do it.
There will be claims against these in the near future so keep all your details.”
“So typical response from creation finance. Blame everyone else. Not taking any responsibility for it's self . This company is owned by BNP PARIBAS PERSONAL FINANCE. They are a huge company. But sadly after giving you finance, that's it . No help whatsoever. Yes things go wrong, but you should be there for the customer. Blaming other companies? Don't go near them . They will leave you high and dry . I'm out of pocket over £800 . They don't care about the customer whatsoever. Had to leave 1 star , because can't write a review otherwise. Should be zero rating .”
“This is not polite
I applied for a loan and they accepted me on the condition I pay £2700 via a mobile for insurance on the loan. They then called me back to say I couldn't have it yet and have to pay £5000 . I did not pay that and asked them to refund my £2700. They said, "No problem," but didn't do anything. They have since stopped taking my calls and have not replied to the numerous emails sent and this prompt me to reach out to S I M O N C H . C O M who assisted me”
“Card kept being declined, faulty chip. Ordered a new card and came within a few days. To activate the card you can use the app, app doesn't recognise the card number. You can also activate it by phoning, automated service doesn't recognise the card number. Speak to a human and eventually got it activated. Loads of issues in the past due to a joint account, problems with authorisation to discuss the account. They are a nightmare.”
“Had card for years linked to Paypal. Made a large purchase and Creation blocked it, meaning the funds were taken from my current account. Took ages for them to sort it out. Then they blocked it again a few days later. Cannot deal with this incompetent company so have cancelled my account.”
“Doesnt work properly, cant log in and pay off my bill , my password doesnt work , supposed to be representing a technology retailer and there technology doesn't work”
“Rubbish credit card for contactless payments. Just started using it for buying drinks whilst out and is was rejected after two transactions. Customer services say that's all you get in the same venue! Even if you enter the pin! I generally have more than two drinks. Their workaround - start a tab and pay at end. Great. Waste of time.”
“New item on finance with creation, however I cannot sign the forms as cannot log in. I have used old account details, new account details and changed passwords goodness knows how many times.
I did ring customer services and the lady was lovely - we went through the whole process for it to still not work. She says she has put a ticket into IT and the documents will be posted.
So until I receive them, can sign and return them my order is on hold.
Used creation previously and no issues at all - but this time around it is ridiculous - nothing works and it cannot be rectified by phoning customer services.
Even if I get the documents by post how on earth am I supposed to manage my account if I cannot gain access?!”
“Have never encountered such a poor online operations site. Can’t log in despite using correct user and password data. Can’t enter correct service area to log in. Platform just goes into thinking until timed out.
I have more to do than just sit watching a mal functioning website.
When I have more patience I will telephone and hopefully will get more than an electronic operator or worse still an iBot.”
“Poor customer service, lady on the phone only had one answer I really dont know. Stayed on call for more than 1 hour and still the issue wasnt resolved. Getting sick of them now.”
“Would like you to note that although credit plan sounds attractive but think twice before you buy.
I’ve returned one item that turned out to be faulty ( it wasn’t a straight forward process at all)
My monthly payment reduced just by £10 when £159 credited on to the account.
They refunded the original cost of purchase and not the full amount including interest.
Not fair play here as i should get whole amount paid refunded !
Delivery charges was not refunded either , I have lost around £100 with this guys because of the monthly interest wasn’t refunded.
Save money don’t use them.
Just logged on my account, I’ve paid off a few items now but don’t see any changes in monthly payments figures!!!!
Why? Not happy at all ! Made extra payments to reduce amount of months and same thing , nothing changed. Extra payments doesn't do nothing but vanished up in the air that is what it looks like wish i never bothered 😕”
“It’s a credit card firm which you just can’t trust. Always having computer mistakes, poor customer service (that is, if anyone really bothers to reply) and far too many times the card is rejected on point of sale.”
