“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.”
“Don’t use, they hold your payments for your credit card for 9 days then uou can call fir an investigation which takes 7-10 days and you only get 14 days to pay, they are doing it on purpose so they can charge you interest and fees on the account as you clearly cant use the credit card if payments dont go through meaning you gave to use the money you need to pay the card with, its fast payments now and FCA and my bank say the acc should show money on your bal immediately, the processing has nothing to do with the balance. Its caused me a breakdown, stress & anxiety, complaining to FCA. Credit card not fit for purpose, creation steals your money its fraud!”
“Avoid this company AT ALL COSTS, attitude disgusting, threatening and frankly illegal given that the threaten people of retirement age and make statements such as “you need to understand”. This company needs shutting down and sending into administration if it has been already.”
“Just cancelled my Currys credit, I never miss payments on anything, and have multiple accounts some just increased their limits for me this week. Creation just went from x to £0 without a consultation or warning, just done deal. I hadn't used them for a year but was handy for emergencies or large purchases in future. I won't be using again, and likely not use Currys again.”
“I purchased an Apple Watch through Creation Finance's 24-month interest-free option. Despite paying by direct debit, a remaining balance of 18p was left at the end of the 24 months.( This happened due to their wrong calculations)They charged £30 for this, and now they're threatening to add interest monthly for such a small amount. Consider this before using their services. Stay away from this company”
“I had a credit card many years ago, and paid it off in full before the terms changed. This was about 5 or 6 years ago.
This year, I received an email to say I owed £4 something. I checked the email and it was a legit email, and when I rang up, they told me the account was last paid into in 2021, and last used in March 2022.... I haven't got a credit card with them anymore, and haven't since BEFORE covid. The card was cut up once received (before COVID) and I had also received a letter to say my account would be closed from not being used.
Fraudulently try to get you to pay extra charges, and when you ask for an itemised bill to see where this charge is, no surprises, they cannot find the bill to send to you.
Disgusting service and extremely stressful.
Avoid as much as you can!”
“I setup a direct debit in June with my bank details to go out on te 2nd of every month. I just logged in to see no payments have been made and now ive incurred 30% interest. WTF. They're doing this on purpose. AVOID.”
“They set up their system to give you errors so you cannot pay on time and then charge you late fees. Every single time I try, I get an error. When I try to call customer service, they don't pick up.”
“app doesn't work, cant log in on ipad or my phone, tried on desktop pc, same issue. unable to manage my account or see why my payments are so high.; I am reporting to FCA. disgusting treatment of customers. no reply on phone either. customers don't need this additional stress. I cant see how much is owed, or manage my monthly payments, the website faults when i try to log in and the report box doesnt work either. are Creation even still in business!!!!!???!!!!”
“Absolutely avoid !!!
Tried to get a tv from currys and was advertised this financial plan...gave it a go, got approved and had to activate the account so i can make a purchase. Tried and tried many times to activate it, always giving a 404 error. And no customer service to help, nothing. Gave up on this and got my tv from somewhere else. Though that well i didn't activate the account and didn't place any order, should be all fine. No ! After 3 months, they have placed a direct debit on my account, for £38.02 per month... for whaaat ?! Reading all this reviews, i know this will be a long and draining process, with a ruined credit score !!! How can this be legal ??! This needs reporting”
“I've been a victim of identity theft. So the annoying thieving mongoloid used my details to buy a product under my name and address at Currys. Now I'm getting harrased by Creation Finace to pay money on a loan I don't own! It's affected my credit score and my mental wellbeing.
I've tried calling them, I get hung up on after 30 minutes of waiting and they haven't even responded to any of my emails!
I don't know what to do at this stage, but all I know is that I want it to stop..”
“I have just taken out 12 months interest free loan with Creation, for a TV I bought at Currys. Despite numerous to and fro emails with Creation, I have been unable to activate my account. I have a direct debit which I didn't authorize. I have tried to pay the whole amount off to end the whole saga but my bank won't recognise the company. Extremely stressfull and worrying time. I went to Currys today and they more or less said, nothing to do with us anymore!”
“AVOID!! This used to be a great credit card company to use especially for travel. Sadly no longer reliable or useful. Even with contact from me letting them know i was going on holiday and would be using my cc as the billing card - even letting them know the exact places and companies that I'm using and dates of my vacation, card is still declined for no reason. As others have said in their reviews, my balance has always been cleared and never missed any payments. This is the problem i think, they only want customers who make them money by not paying off their bill and racking up interest.”
“Avoid.
I had a credit card with them for 10+ years; everything was fine until the last 3 years when the following happened...
Credit card was constantly blocked but they couldn't explain why when I called.
My credit limit was cut by thousands of pounds, this time they refused to explain why.
My account was then blocked online (I couldn't log in to see my balance). I called to ask why, they said it was because I 'had been in arrears, but I wasn't any more'. As you've probably guessed by now, I had not been in arrears.
I finally asked them to close my account.
Sadly this is no longer a useful company, and getting involved will them will waste your time and cause you stress.”
“Do not use this company been waiting for over 2 weeks for a refund still nothing been done and nothing added on account can see me taking this further”
