“An awful company with no access to customer service. I notified them before travelling with location and date. After a couple of days they blocked the card with no access to payment method with family on tow. Sent them message but no replies. Tried calling from abroad for several hours with the music playing for 3 hours every day but nobody picks up the call. Either man the phone or atleast reply to emails or messages. They do neither leaving you with a card that does not work despite having £14000 available to spend. Definitely one to cancel.”
“AVOID
Cancelled an order with Currys the same day it was made. Creation have harassed me for over a month with daily messages, emails and phone calls chasing me. I have sent them the confirmation from Currys multiple times to show the order has been cancelled and that a product was never received.
They then tried to take money from my account without permission, thankfully my bank stopped this.
I have been on the phone to them to solve this for so long I feel like I should be paid for the time. This is pure incompetence. I was also told “your problem is with Currys” and are asking me to fix this for them with Currys.
I am still working with my bank to resolve the effect on my credit rating.”
“I now have so many complaints lodged I’ve list count. No replies to any of them. I keep being told I’m in arrears when I am up to date with my credit card payments. This is making me ill with worry. Today’s letter told me this is reported to the credit ref agency which will affect my credit record. I have tried every way to contact for months.”
“Only one service they consistently do is to decline transaction and block my card every now-and-then as "Security Issue" while making payment to primary school or to council services. Then I'd have to call them to unblock the card, if only I was lucky enough on that day to go though the customer services 'music' line! (However I like their soft music as otherwise I'd have been deaf by this time by listening them for hours at a stretch!). They never explained the reason for the block!”
“Awful, I believed I was paying off my direct debit to receive a letter claiming I was in over £100 arrears which come as a shock. Spoke to a colleague over the phone who admitted it was cancelled their end and not from myself but told I still had to pay the full amount. Called recently to explain my maternity pay from work wasn’t going through and had to claim through the government and needing to wait 4 weeks minimum for a decision and until then my money situation very very restricted but told I still had to pay my remaining balance in 7 days regardless.. I’ve never dealt with a single caller who hasn’t been rude or made me feel bad for having something to pay off in the first place. After my case is closed I’ll make sure never to use creation even if the situation is in my favour.”
“If i could give -10000 i would. I recieved a letter that someone has taken a loan out in my name, and there's literally nothing on the website to report this, or a phone number for it.”
“Bloody rubbish customer service - your call may be recorded for training and security - ONLY IF THEY ANSWER THE BLOODY PHONE!
My card is consistently declined for security purposes but I can't get any help from this useless pile of £*^@ company.
Highly recommend you AVOID”
“Awful. Blocked payments, security team does not contact you, spend ages contacting them, assurred it is unblocked and will not be blocked again, then they again block the payment without notifying you, contacting you or doing anything a responsible credit card company would do. Absolutely awful, embarrassing, time wasting and I cannot wait for IHG to pair with a better company so I can remove this card from my daily chores.”
“Creation finance are an Absolute joke of a company have no customer service what so ever and shut down my account with currys for no reason what so ever!! I will be using AO from now on and john Lewis they value their customers so much more!! AVOID EVERYONE!!”
“Been in dispute since before Xmas. Have asked for statements with balance after each transaction which they say they cannot do. Over £1000 in retailer credits showing on statements but do not appear to have been deducted! All they say is the credits are there! Thank you but you need to deduct them. Seems like a case for the ombudsman to get my £1000+ back.”
“Could not give zero stars but my goodness. I have a contract with creation and it’s been 3 months, recently they have over drawn money from my account and didn’t pay it back in. Then had the cheek to say it that they never received payments, so charged me £30 extra as a late payment fee. Bear in mind that it’s direct debit. So I contacted creation and told them what was Happening, sent them evidence. They have ignored me for 2 months.”
“Impossible to contact, either by phone or email which they don’t reply to. I bought a product from Curry’s and decided to pay by installments with Creation and a direct debit was set up. They didn’t take the first direct debit and told me I haven’t paid it and the slapped on a £30 charge. I got a letter today, after many emails from them (which you can’t reply to) asking for me to set up a direct debit! Today I paid off the full amount and will never go near them again. Dreadful non-existent customer service!”
“Purchased faulty goods from currys group which was financed by creation consumer finance who do absolutely nothing to help and ignore their financial responsibilities under the Consumer Rights Act 2015”
“Terrible service / experience.
Purchased a TV from John Lewis and decided to take the 0% option. Approved immediately but the e-agreement link failed.
It failed again from the confirmation email.
It failed again on the website and asked me to ‘come back later’ which I did and it still didn’t work.
I call JL who can’t help and refer me to creation. Creation tell me that it’s a problem my bed because I’m using safari (I’m actually using chrome), it’s then a problem because of my phone, so I try a laptop (it still doesn’t work).
The proposed solution is to send an agreement by post for me to return by post… in 2023…
So I cancelled the order.
This is just amateur and reflects terribly on John Lewis.”
“My mother is currently selling her property and just before exchanging on 9th November we discovered that there was a charge on her property for a card that was paid off in 2008. Creation’s solicitors did not remove the charge with Land Registry in 2008 and 14 years later this is now preventing her from completing on the sale which has resulted in stress not just for her but for her buyer and the chain beneath him and ahead of her. We have been contacting them on a daily basis asking them to remove the charge to no avail. A very helpful lady called Caitlin initially took ownership of the case when she realised the difficulty we were having getting anyone to help us and she managed to get an email sent to is confirming that they have no interest in the charge, however the matter needs to be dealt with by their solicitors directly with Land Registry. They have advised us that though the matter is now with their solicitors it could take up to 6 months for their solicitors to deal with it. This is so incredibly unacceptable. If anyone has had a similar experience please can you advise us how it was dealt with.”
“Took overpayment, by claiming a payment they told me had failed. Complained about it and they left me waiting for weeks. £100 of my money just sitting with them. Funny the don't pay interest!”
“I bought a voucher online and I am charged £5 for handling fee and plus interests on that for the next 2 statements, even though I pay my balance in full by direct debit.
I rang and explained this. I requested to remove it and they said they cannot. I explained that I am not aware that it was being charged as a cash transaction and that the other bank card did not charge me any cash handling fee for the same transaction, they should at least inform and let the customer make a known decision! Another credit card does not charge for it and creation does for the same thing, on top they charge you interest on it for 2 months! Rediculous!”
