Reply To: Creation Financial Services bashing

[JerrySignfield]

memesweeper wrote:

JDB wrote:

@Memesweeper – you say Creation would undoubtedly lose at MCOL, but I think that depends on the situation of the individual and also the timing of their anniversary. Judges have huge latitude in interpretation and making findings of fact and in practical terms/realistically those decisions are not appealable.

More fear/uncertainty/doubt from @JDB. What about that isn’t true of any MCOL excluding the timing of the anniversary? How many friends of yours or posters here have complained about perverse decisions at county court? I’ve raised only two cases and defended one and found the judges and the procedure to be fair and I have confidence in our judicial system.

JDB wrote:

If someone is, for example, on the NS&I top 50 list, the court will take an extremely dim view. Also, for anyone just chasing the voucher, I’m not sure it would be eligible for MCOL at all.

The ‘top 50’ would need to be disclosed, of course, along with some statement as to the relevance of that evidence. If it’s relevant to shutting someone down for abuse/violation which Creation then didn’t do I don’t see how that helps them at all. Concepts of fairness under CRA are a one-way street in favour of the consumer: the consumer does do not have to be blameless. A “dim view” isn’t going to help but it’s not a dealbreaker when one party has violated their obligations under a contract and the CRA. Incidentally I have no reason to think I’m in the “top 50” but who knows? How bad was this issue … really? Do any of us know? Keep spreading uncertainty and doubt though @JDB, it might keep a few more people away from MCOL and save Creation a few more pennies if people start worrying they are listed on a previously undisclosed league table.

I’ll be asking for a justifiable valuation on the Free Night, not Specific Performance. Absolutely no issue getting the court to find in my favour on that.

Well said!

Also the FUD around IHG closing accounts is also over the top when they have already been paid for the points and should have no reason to punish the consumer due to Creation’s lack of due diligence with their card offering.

The problem is and has always been Creation offering a card that they simply couldn’t afford to offer due to its poor business model which has been in plain sight all along and often pointed out by Rob, now all they are doing is trying to punish the consumer.