Let's be quite clear here *AVOID THIS COMPANY* Let's be quite clear here. At the time of posting this negative review a staggering 72% of reviews posted are in the bad, or negative category. There has to be a reason for that, and it's quite clear Creation are falling short of expectations. In addition they seem to be doing very little to positively address the issues. I remarked in a previous post the difficulty I had accessing my online account. Surprisingly Creation did respond and I received a call from Hassan in which he explained the fault was being addressed by the IT department and would be resolved by Monday or at the latest Tuesday. It's now Wednesday. No further call from Hassan and no rectification of the issue. I called Creation to close my account. Whether that request is actioned remains to be seen. Given my previous experience I am doubtful. The service is outrageous. I'm at a loss understanding how this Company still trades. BNP Paribas Personal Finance consists of two separate companies, Creation Financial Services Limited and Creation Consumer Finance Limited, collectively trading under the name of Creation. BNP Paribas Personal Finance is fully owned by the France-based BNP Paribas. An email to their Regulatory Compliance Manager at BNP Paribas Personal Finance (Charlotte Crookes) given to me by the FCA has unsurprisingly been unanswered. Trust Pilot will not allow me to display this email address. Given the appalling conduct of Creation my advice is that you avoid this Company at all costs. Collect as much evidence as you can regarding your issue and contact the Financial Conduct Authority in the UK. I cannot display their web address here as Trust Pilot don't allow it. A simple search of 'Financial Conduct Authority' should take you to their website. May I suggest if you don't take your issue up with the FCA, they aren't going to be aware of issues and the abysmal service from Creation will continue. You will note that very few negative comments on this platform receive a response from Creation. They are however likely to respond to positive comments and that really sums it up. I have incidentally copied the content of my review to the FCA who have acknowledged receipt. In addition I've sent an email to Mr A Baldock, the CEO of Currys PC World, directing him to my issues and asking why they continue to direct their customers to Creation. I suspect it's a commission but time will tell as to whether I receive any response from him