“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!”
“Strongly suspect fraud within the company as despite telling them someone was trying to pretend to be me and search for a loan a month or 2 later they allowed a fraudulent loan to go out (it was stopped) and again someone has tried again a hard search for another loan using this company. This is despite me having a cifas on the account and them putting one after the first attempt . I think they need to look more closely at their fraud prevention measures”
“I have been trying to sort out my account for months. The email I was given does not work.
I keep getting late payment charges and letters every day.
They want me to pay for something I do not have.”
“Why have I got bad credit with you people when I have never used you ?? £97 a month since 2016 ?? I've never had a letter which is strange in itself? Even more strange is your using my old name because I did a deedpoll name change 2009 ? Apparently I bought £1200 worth of goods !!”
“Truly awful customer service and product.
Initially advised Creation that I was going abroad a few weeks ago and was advised to call back again within a few days of leaving the UK to go overseas as allegedly they cannot set my card to be used abroad until within the week prior of going overseas, although other credit card providers have no issues whatsoever doing this action well in advance.
During the second telephone conversation on the same subject, I was informed that there was already a note on my account to state I was going to Poland on 29/09/22 and returning home on 06/10/22, and that I could use my card whilst abroad.
Tried to make a purchase on my outbound flight but unsurprisingly thus was declined. Attempted again to use my card in Gdansk but again the transaction was declined.
Tried again on two occasions this morning to pay dental bill but again each attempt to pay was refused.
Now trying to get through to their work class customer service team (I have now been waiting over 26 minutes for an answer).
For a peaceful and stress-free life, do not use Creation Finance at all.”
“The absolute lowest of the low. I apply using a soft search, this was approved, it then asks you to do a full application for a line of credit to make purchases from Currys. I was then approved with an account number and an online portal to manage and log in to see the line of credit of £1500. So i go to buy an item and go through the laborious process of purchase using this credit to find i am declined!!.. i call them & thats like speaking to mannequins, they tell me to check my file, well i work in FCA line of business so I check my file weekly and there is nothing but “excellent” on everything so thats just a fob off by them, it boils down to i am a property investor buying, selling houses etc so my file is always searched by mortgage lenders but oh no try telling them that and instead all they use is some computer… so i have been encouraged to have a hard search, get offered a line of credit then boom… they turn you down.. seriously do not bother, they are a utter waste of breathing air.”
“Opened an account and realized the DDM had not been set up for the first payment, so made an online payment the day before due date. Have been pestered for an overdue payment whilst out of the country and charged £30 default fee. When spoke with Creation, I was advised they hadn’t received the DDM mandate from Currys in time (despite it all being completed online in store) and any payment made before the due date is classed as an overpayment and I was still in arrears! Had to make another payment to clear the supposed arrears so am now in advance, however, if the DDM is not set up for the 2nd payment and I don’t make a payment ON the due date, I will be in arrears again. Confused, I am, wouldn’t recommend as they seem to make up the rules as they go along!”
“Your plan ID: 1013927287
This is fraud by not allowing customers to make online payments. I have been writing since long time for details.
Shameful!
Thanks,
Raj”
“Should be shut down by FCA They are law unto themselves! Ignorance is a polite way of explaining this bunch of thieves . Avoid this company at all costs ! I’m cancelled my DIRECT DEBIT as an attempt to get someone to take notice of me . I’ve also reported them to FCA and my personal Bank ,, in reference to others having money taken without an agreement. . Anyone with a CREATION account should be very careful as I believe they will be shut down soon ,, and they are taking people s money without permission or knowledge.”
“Esign doesn't work on sevral browsers. Terrible workaround, and the signed documentation never arrived.
over a month later and still where we were before. Cancelling the order”
