Reply To: Creation Financial Services bashing

[Lady London]

I think FOS asking a submitter in great detail about Curve when it’s not part of the complaint and the person has done little or no curve and not MS means 1 or 2 of the followng

– Creation could be claiming use of Curve is abuse. If so this could be something that could still mean they could rely on something outside of their own t’s and c’s if necessary, to cancel the card. So a statute or regulation in the finance area, perhaps.

Their error might be if so far(as they’ve only got a lawyer involved in this very recently by the – finally professional – look of their letters posted on this thread today), they are claiming any use of Curve is abuse. Whether by their own ts and cs, or something external to their card agreement. This wouldn’t work as some users can ptove their use was not abuse. It also wouldn’t work as they haven’t cancelled the card of everyone that used Curve.

2. FOS (or even FCA) may well have other investigations, deliberations or complaints going on with Curve. Whether correct behaviour or not when dealing with someone’s complaint, either the FOS or perhaps for their own learning, the FOS handler, may have been seeking information that would better inform them, for their understanding of those other goings-on with Curve.

An HfP reader who submits a complaint to FOS is likely to be more aware, knowledgeable and articulate than many who submit complaints to them. So the FOS benefits both by discussing.