“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”
“About 4 different login screens and not clear which one is for your finance agreement. Eventually got in after multiple password resets. Tried to pay the balance off in one, error with some code. Emailed them, the response was the address needs updating. Cant update address online they have to do it. They also gave bank transfer details in email which come up with a bank I have never heard of and my lloyds said they cannoy verify the recipient. The acc/sort code was completely different to the one listed on the website FAQs. They updated the address via email, still get the error when trying card payments. AVOID!!!!”
“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!!!!”
“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 !!!!”
