“Avoid them like a plague. Not worth ruining your credit score for no reason. Applied for IHG credit card which is sadly provided by this company who for no reason carried 2 soft search and 2 hard search in different dates when my credit score is excellent. Shocking...... this searches remain for 6 months in your account.
Only applied because I like IHG and they offer Gold Elite membership if you enrol for their credit card but this company do not care. Not surprised why they have such low scoring review. Will be contacting IHG as although my credit report cannot be corrected but at least they should now.”
“Let's be quite clear here *AVOID THIS COMPANY*
Let's be quite clear here. At the time of posting this negative review a staggering 72% of reviews posted are in the bad, or negative category.
There has to be a reason for that, and it's quite clear Creation are falling short of expectations. In addition they seem to be doing very little to positively address the issues.
I remarked in a previous post the difficulty I had accessing my online account.
Surprisingly Creation did respond and I received a call from Hassan in which he explained the fault was being addressed by the IT department and would be resolved by Monday or at the latest Tuesday.
It's now Wednesday. No further call from Hassan and no rectification of the issue.
I called Creation to close my account. Whether that request is actioned remains to be seen. Given my previous experience I am doubtful.
The service is outrageous. I'm at a loss understanding how this Company still trades.
BNP Paribas Personal Finance consists of two separate companies, Creation Financial Services Limited and Creation Consumer Finance Limited, collectively trading under the name of Creation. BNP Paribas Personal Finance is fully owned by the France-based BNP Paribas.
An email to their Regulatory Compliance Manager at BNP Paribas Personal Finance (Charlotte Crookes) given to me by the FCA has unsurprisingly been unanswered. Trust Pilot will not allow me to display this email address.
Given the appalling conduct of Creation my advice is that you avoid this Company at all costs.
Collect as much evidence as you can regarding your issue and contact the Financial Conduct Authority in the UK.
I cannot display their web address here as Trust Pilot don't allow it. A simple search of 'Financial Conduct Authority' should take you to their website.
May I suggest if you don't take your issue up with the FCA, they aren't going to be aware of issues and the abysmal service from Creation will continue.
You will note that very few negative comments on this platform receive a response from Creation. They are however likely to respond to positive comments and that really sums it up.
I have incidentally copied the content of my review to the FCA who have acknowledged receipt.
In addition I've sent an email to Mr A Baldock, the CEO of Currys PC World, directing him to my issues and asking why they continue to direct their customers to Creation. I suspect it's a commission but time will tell as to whether I receive any response from him”
“Just now
WARNING Do not use!!
WARNING Do not use!!! An agreement has been taken for furniture that hasn’t been received. 12 months in no furniture and over £2200 spent and still a credit agreement for £3000 outstanding... avoid at all cost they will not even liaise properly with the ombudsman”
“Rang to change direct debit from £520 to £120. Advisor did not advise that there was a delay of 20 working days (later confirmed by another advisor when I rang to complain as they listened to the recording). We paid in £400 to top up the additional £120 but as mentioned the original direct debit was still active and therefore we unwittingly ended up paying in £920. Rang to complain as above, promised it’d be resolved, we’d receive our £520 back within 5 working days and got £20 compensation. 3 weeks later still no refund, needed to ring again. Apparently it’s not been actioned. No doubt I’ll be ringing again in a week or so time.”
“Lousy company lousy management JUST look at the reviews here so l am not alone.They play around with your credit limits and never answer emails .Hope they will go the way of the dinosaur. Badly run and no one answers emails till the Financial Conduct Authority gets involved.Then they find some poor apologitic sap that simply says sorry but the problem does get fixed.Pitty u have to waste all this time anyway best not to deal with them.”
“Poor attitude from staff with a very poor contact process. One agent on the phone asked me to call to check a payment which they lost in the system had cleared. I told them they have my number. Tbe response i got confirmed was "we only contact you to chase money" poor customer service and a greedy profit driven organisation. Avoid at all costs.”
