Forums › Payment cards › Other payment cards › Creation Financial Services bashing
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Creation agree with my case to give me my outstanding points within 6 weeks. 8 weeks later nothing, they insisted they have sent it to IHG. So now I need to follow up with IHG, fun times!
They did the same to me. After 10 weeks I chased Creation up and they insisted that the problem was with IHG. I asked for a copy of the instructions they claimed to have sent to IHG so I had some reference material to discuss with IHG. They declined to send me anything but instead offered to chase it up on my behalf. Lo and behold the points arrived later the same day! So keep persevering and they will capitulate in the end.
Same here. I threatened to go to FOS and the points arrived in my IHG account within hours. Creation are absolute shysters.
Same here. I threatened to go to FOS and the points arrived in my IHG account within hours. Creation are absolute shysters.
Beats me how anyone can defend those c***s
They are corporate shills that think that all costumers but themselves are up to something.
My points have also arrived, I didn’t check daily but it was defo not the same day.
Nice little easily achievable offer from Creation today. Spend £500 in each of the months September and October on my Marriott Bonvoy credit card and receive 2000 bonus points. The card that keeps on giving!
Just received my FOS Ombudsman response.
FOS partially upheld my complaint…
They said Creation do not have to honour the points or the free night voucher. They, however, need to provide a pro-rata refund.
No reason was given other than Creation was allowed to do it under the T&C.
I am now considering legal action against Creation.
What a complete joke!
Complete madness at FOS. My request for compensation or even statutory interest payments on my pro rata refund was rejected even by the ombudsman as “awards are designed to reflect the actual loss, trouble and upset caused to the consumer .. not punish financial businesses”.
The ombudsman was not satisfied “on balance” that I have lost out having not received my refund or points sooner. Surely this is the exact purpose of statutory interest payments?So almost 2 years later.. I’ll just end up getting the money back (and small amount of points) I should have done when they closed my account.
Complete madness at FOS. My request for compensation or even statutory interest payments on my pro rata refund was rejected even by the ombudsman as “awards are designed to reflect the actual loss, trouble and upset caused to the consumer .. not punish financial businesses”.
The ombudsman was not satisfied “on balance” that I have lost out having not received my refund or points sooner. Surely this is the exact purpose of statutory interest payments?So almost 2 years later.. I’ll just end up getting the money back (and small amount of points) I should have done when they closed my account.
I’d contend that loss of interest, at a minimum, is an actual loss. I’d also ask the FOS in which part of their judgment did they take account of trouble and upset to you, which they have mentioned themselves, as suffered by you the consumer which has undoubtedly been the case.
I find the Ombudsman is an easy process but they are inconsistent and often favour the firm. This Creation saga has taught us they sit on things and don’t think that is to the detriment of the consumer. Plainly wrong and their complaints process is a waste of space.
I’m surprised that we haven’t heard remonstrations, arguing with the ref etc. from Mr A, Mr W, Mr M or Mrs M whose FOS decisions were published in the last few days. Mr W was rather racy in asking for £150-£250 compensation and Mr and Mrs M were rather ambitious in seeking their free night vouchers.
I wonder why FOS are rejecting points & free night vouchers (where earned) on these cases.
The reasoning is the same as my FOS case (not published yet) in that they reasoned that Creation could withhold them and that it is fair of them to do so.
If that’s the case, then why did Creation voluntarily offer them to some people at all if FOS continually states they didn’t have to transfer them over?
@JDB, where can we see these decisions? Do we all feature?!
Found them:
Do you read this stuff for fun?!
@JDB, where can we see these decisions? Do we all feature?!
All rulings made by an Ombudsman are published publicly.
Apologies, just found them before you posted!
Also wondering why Creation caved in so completely in some cases when the FOS was clearly finding in their favour!! Did we just wear them down…?
There is in all seriousness a complaint from a guy who couldn’t meet his credit card payments and asserted that Creation was at fault for issuing him with 5 different credit cards. Presumably he’s not here ….
…and the FOS agreed with him 😱. I mean I know there’s responsible lending but what happened to personal responsibility?!
Do you read this stuff for fun?!
I’ll go with – yup!
There is in all seriousness a complaint from a guy who couldn’t meet his credit card payments and asserted that Creation was at fault for issuing him with 5 different credit cards. Presumably he’s not here ….
…and the FOS agreed with him 😱. I mean I know there’s responsible lending but what happened to personal responsibility?!
Not read it so basing this on what you have said above (and sorry for the off topic) but how on earth are these sort of people ever going to learn to take responsibility for their own actions, or get stopped from abusing the system, when others bail them out? Crazy.
There is in all seriousness a complaint from a guy who couldn’t meet his credit card payments and asserted that Creation was at fault for issuing him with 5 different credit cards. Presumably he’s not here ….
…and the FOS agreed with him 😱. I mean I know there’s responsible lending but what happened to personal responsibility?!
Sounds like they just roll a dice
@CarpalTravel, I used to deal with people who got into debt regularly but none of them would have the first clue how to submit a case to the FOS. If you’ve got the mental acuity to do that, you should really be able to see when you need financial help (and not just extra credit).
But @JDB, I take it all back, I am totally hooked on these stories now!
@NorthernLass – so did I! And of course you are absolutely right. It’s why I think they were likely abusing the system. Some do. I am aware of one case where a guy owed the HMRC well into six figures, taking the money out of the business that needed to be paid to them. Obviously knowing what they were doing, he ended up settling with them for approximately a mere 10k, coming out of it clean, not even being disqualified as a director. Sad but true.
Hopefully I get Jeff Burch, rather than Liam King.
But I don’t hold out much hope for getting and compensation!
I disagree with the Ombudsmen that, just because Creation finally cave in to offer free nights, points and a refund that this suddenly puts the complainant back in the position they were in before, it certainly does not fully (given the time and energy in raising and pursuing a complaint and FOS case). Quite disappointing really…!I wonder why FOS are rejecting points & free night vouchers (where earned) on these cases.
They’re the same as mine (not published yet) in that they reasoned that Creation could withhold them and that it is fair of them to do so.
If that’s the case, then why did Creation voluntarily offer them to some people and not others if FOS continually states they didn’t have to transfer them over?
I don’t really know the answer, but the cases we are now seeing published are those who either were shown the Creation offer and rejected it or weren’t shown the offer at all. Both were then left with individual investigator decisions rejected by themselves or Creation and passed to an Ombudsman for a final decision. None of the four final decisions resulted in any compensation, even when some was proposed by the investigator. Messrs A & W basically got the offer but no compensation whereas Mr and Mrs M got pro-rata refunds and nothing else. Their decisions (both by the same Ombudsman) suggest they had been up to no good and so their cases were seemingly treated in accordance with the letter of the terms, but it was particularly harsh on Mrs M whose anniversary was less than three weeks after the 3 December closure date, whereas Mr M’s was not until the following July. Their decisions were, as I suggested at the very outset, in line with a previous FOS decision that if you don’t reach your anniversary, irrespective of the reason you don’t get your voucher. It’s also consistent with another recent pre mass closure decision of someone whose conduct was called into question.
I know it’s much more fashionable on HfP to slag off Creation and the FOS but I prefer independent thinking and I believe the offer made in the Spring to settle pro-rata fee/voucher/points was a very generous deck clearing exercise that suited both parties. Those pushing for £250 compensation were in La-La land and as for those who rejected the offer entirely in the expectation of something better, I just don’t know what they were thinking, but some of those now have nothing.
Hopefully I get Jeff Burch, rather than Liam King.
But I don’t hold out much hope for getting and compensation!
I disagree with the Ombudsmen that, just because Creation finally cave in to offer free nights, points and a refund that this suddenly puts the complainant back in the position they were in before, it certainly does not fully (given the time and energy in raising and pursuing a complaint and FOS case). Quite disappointing really…!The thing is that, realistically how much time and energy did you need to put into making a complaint and going to the FOS? The FOS deals with tens of thousands of complaints and it judges that many like these Creation ones really aren’t beyond the aggravations one encounters in daily life and as such don’t meet the threshold for them to order compensation for distress and inconvenience. The sums involved are also incredibly small. The FOS publishes its criteria for D&I payments and interest payments (set at a standard 8% simple interest) and most of these these cases don’t really get very close.
@JDB, where can we see these decisions? Do we all feature?!
Do you read this stuff for fun?!
I’m sorry to disappoint, but no, I don’t read these decisions for fun! I help a lot of people with their complaints on an entirely unremunerated basis, but if I’m going to do a job, I’m going to do it properly and that means reading lots of cases to understand how the FOS considers things. These cases are a bit entertaining but in reality, despite all the hysteria here, they are quite mundane and inconsequential compared to many. More interesting are the s75 cases which Creation actually seems quite adept at handling. The decisions show just how narrowly s75 is interpreted, contrary to the regular assertions by one of our resident hawks.
In particular, I don’t know if you saw DRN-4224227 where the complainant’s wife (Mrs H) booked a holiday on Mr H’s card which turned out to be very different than booked, so the first part of the decision is that only Mr H can be covered by s75, which is strictly correct, but the Ombudsman then finds a very neat way of in fact allowing Mrs H to get the same partial compensation. For those here who keep saying the FOS is pro firm, not fit for purpose and other ignorant comments, this is a great example of how they have gone out of their way to reach the ‘right’ decision by quite clever and unusual means. That decision is also very interesting in that it says that Visa will not entertain chargebacks in a case like this – if you have stayed at a hotel, they won’t accept a chargeback for it failing to meet the contractual terms, whereas Mastercard will. s75 is different, but successful claims just aren’t as easy as some like to suggest.
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