Reply To: Creation Financial Services bashing

[JDB]

Colin MacKinnon wrote:

Creation response for a detailed statement of what points they owe me and confirmation of the free night.

What clowns! And the FOS expect me to agree to a “full and final” settlement with no details of what that settlement is!

“Thanks for your email dated 19/03/2023 regarding your IHG credit card.

We are currently liaising with the Financial Ombudsman Service regarding remediation of your complaint. Rest assured we do not require you to make contact with us in order for this to move this forward; your case is being reviewed in line with actions agreed with the Ombudsman.
We will be in touch with you in due course, your continued patience is appreciated.

Kind Regards

Joshua Adkins
Customer Resolution Officer
Creation Consumer Finance

You are trying to bypass (the polite version of queue barging) the agreed system by going to Creation directly while you have a case open at the FOS. I don’t believe the FOS has asked you to agree any full and final settlement – quite the opposite, they have stated Creation’s offer to be ‘in principle’ and once the FOS conveys acceptances to them after the closing date you will hear from Creation and if you don’t like the answer revisit the matter with your FOS interlocutor. As above, there should be no argument about points or the pro-rata refund (a strange offer) but the voucher eligibility may vary by person unless they are just giving them to everyone. If not, whether the FOS will take a different view on eligibility to Creation is questionable/the question.