“Horrible service and their online portal is extremely faulty. I e-signed my agreement three weeks ago, only to find out today that this has not gone through. I was only notified by the company I made the purchase from that there was a document pending signature, even though I had signed for it. I had to try multiple times to sign again, the portal was showing errors, document downloaded as signed, but showing on my account as pending signature. Rude customer service, when I explained to them that I had signed three weeks ago, and that they should have notified me that something went wrong, they kept insisting that I only just signed, and not admitting that it was their faulty system, not taking any responsibility for not notifying me, and that my product will now be even more delayed because of them. DO NOT USE!!!!”
“Sarah was a brilliant advisor in customer care she was extremely knowledgable & very helpful with my problem I bought an AEG hob online from currys & found out there was a £20 price difference Sarah immediately emailed currys to ask for the authorisation to deduct the over amount of £20 charged on my creation IDPLAN Sarah also explained if my a/c does not show the correct balance within a few days I should ring creation back thank you Sarah
from Ann Hogarth”
“One of the worst companies in the world! AVOID AVOID AVOID at all costs!
Their "good reviews" are either written by employee's or people they have asked at the initial stages where everything is hunky dory, they are awful, still waiting for them to get back to the Ombudsman, even though a deadline has been set apparently they take 8 weeks, I have obtained important information and a report is being drafted up for the FCA - they need to face fines for their unethical actions, they are disgusting and should not be allowed to trade.”
“I have had two payments taken out of my account. Rang 4 times but no one ever answers the calls! over 3 hours in total waiting and emails sent but no response.”
“Why this company still works with so many bad reviews?! So lack of professionalism like I never saw in my life... They send to you links that are not working, and after that they ask why you don't trust them..... Because you act like scammers!!”
“Terrible company all you can get to talk to when your having problems are pre recorded messages from automated response no actual human conversations absolutely awful”
“I have been a loyal customer of creations for many years and have never been in default with them. Without notice they have now twice reduced my credit limit risking me going into debt and do not seem to understand why the lack of notice is an issue on their behalf. **Steer clear of this lender""”
“Initially the service was fine.
Then when you want to close your account, for instance to improve your credit score before buying a house, they completely ignore you, refuse to close the account, keep a line of credit open that you don't want and ignore your emails. iv'e attempted to close my account on 5 separate occasions over the course of 6 months. My account is still open, i still have a line of credit with them, and they've not replied to a single attempt to contact them. The next person i email won't be creation, it'll be the financial ombudsman, and i'll be seeking compensation if this impacts my ability to get credit elsewhere.”
“They take your bank/card details without your consent and keep them without your permission. The workers leave you on hold for the whole day and play games with customers! UNPROFESSIONAL COMPANY !!!!”
“Very Fraudulent company I Would AVOID AT ALL COST AS THEY KEEP YOUR BANK DETAILS WITHOUT YOUR CONSENT, They tell you its not the right number to call when it clearly states the number on the site and They have kept and signed the Contract on my behalf with out MY CONSENT, DO NOT SHOP HERE THEY ARE A BIG SCAM , VERY DODGY COMPANY.”
“Avoid like the Plague!!
This company is absolutely shocking!
I purchased a Laptop from Currys/PCWorld last September. Initially everything was fine. However when I received my first statement email and tried to access my account the trouble started.
I was unable to activate my account. I tried numerous times and eventually tried to call Creation. Over 7 hours in total on hold, never any answer. Numerous emails, also unanswered. More attempts to activate the account.
I contacted the Financial Ombudsman, who contacted Creation ( they are aware of the companies games). I eventually received an email saying that they would address the issue within 8 weeks!!! It's now 8 weeks. Nothing has changed. More unanswered emails and now it has gone back to the Ombudsman.
I am shocked that PC World have anything to do with the company. Their logo is on the paper work. I contacted them but they didn't want to know!
I have no method of checking the account for accuracy!!”
“Front-facing site looks great for prospective new customers. Their portal for actual customers? Deliberately run to the ground with old code / bugs and impossible for many customers to login to their account to make payments. Little to no customer support (left a message using their suggested function a week ago with still no reply).
Undoubtedly a deliberate business decision to abandon finance customers after the point of sale in order to hope that inertia will breed late / no payment on BNPY so they can charge their interest - otherwise they make no money. Not-so-subtle abuse of their powers once finance has been taken out through Currys.
DO NOT USE (and I hope Currys' suppliers team reads this and takes action to switch finance companies as from prev. reviews this is clearly a common theme and putting off repeat customers using Currys in future)”
“Absolutely useless these days !!!!!!!
Agent Wait times over 60 minutes, tried to make a payment that was rejected but fraud dept called the following day to confirm it was legitimate and the caller said it would be OK to to resubmit and it would go through.
Just tried 24 hrs later to give the agent and their computer time and again rejected.
Plus since they introduced 2 stage security for online payment I have been unable to make any despite changing my Passcode (just in case) and entering the One time passcode sent correctly.
WHAT A DISASTER for what was a good free card for Marriott points and FREEish foreign transactions ............... but the latter is now changing to add a big fee.
NO WONDER BNP MADE SUCH A BIG LOSS last year !!”
“I bought a kettle on BNPL last year and received no correspondence regarding it post purchase - it didnt even appear on my online account, so i had no idea when payments will start or a way to pay it off until payments started coming out of my account (luckily i found out you can pay over the phone and settle) even after paying it off i’ve still not received confirmation my account is closed.
I also bought a microwave on finance but this time it appeared on my account and settled it in full. But again i hadn’t received confirmation my account was closed. So out of curiosity i called the same number i did for the kettle and despite paying the TOTAL amount on my online account manager i still owed £2.
This all came about because after i paid off my microwave (or thought i had) i cancelled my direct debit.
On the 5th of March i received a letter saying my direct debit had been cancelled and payment is required by 6th March 22 (a sunday). Naturally i was confused because no payments were due? I had settled it all?
They also said if i don’t pay by 6/3/22 i’ll be charged £30 for a late fee. This also made me concerned for my credit score (being late for a payment can’t be good).
In conclusion, i believe all accounts have been settled so any further issues regarding payments now are on creation. But this company is awful , taking a look at the reviews and my own experience - even trying to call them is a mission.
Never ever again and you can stop sending me letters asking if i want a loan!! A JOKE!”
