Reply To: Creation Financial Services bashing

[stevenhp1987]

Lady London wrote:

Does that mean that anyone who’s received anything Creation have called a final resolution, has to at least file something with the FOS in the form of a complaint within 6 months? If we’re waiting on early successes to replicate, how is that going to work when the FOS isn’t even getting around to allocating the first level of complaint-dealer to any case till at least 4 months after the complaint is filed? Does that mean people have to submit a complaint then supply more information later (ie what’s meanwhile been found to be fully rounded successful submission?)

It’s really quite fortunate that so many people seem not even to have had their complaints adequately addressed by Creation, and mnay of them seem to have been ignored by Creation or received responses that appear to be to complaints not raised and do not deal with the complaints the person raised. So it would seem a good idea to carry on waiting for Creation’s response to your specific complaints then, wouldn’t it, as the 6 month clock to submit a complaint would start as soon as an answer which is both full and final, is received from Creation? Based on reports, for a lot of people, such responses have not yet been received.

You have 6 months from the date of the final response to submit your complaint to FOS.

The fact FOS may take 4 months to assign the complaint is irrelevant, so long as you submit the complaint within the 6 month period.

I’ve never had a FOS complaint completed within 6 months, even pre-covid, so waiting for others successes just isn’t going to happen I’m afraid.

Yes, if information comes to light you can inform your case handler. There is generally some back and forth between yourself and the company you’re complaining against. All of this going through the case handler.

If you don’t receive a final response, then you can submit your complaint to FOS once 8 weeks have passed. I believe that’s when the 6 month timer starts.

Even if the company agrees with your complaint, it doesn’t mean they’ll know how to fix what they promised. I once took BoS to FOS once the 6 month timer hit, despite the fact they upheld my complaint, because they failed to actually do what they promised. A took a further year or so at FOS before they figured out how to achieve it!