“Following the death of my father, Creation have strived to add more pain and misery to the process of managing his affairs.
Upon his death, they passed the 'debt' to a firm of solicitors and closed the account.
Despite the account being closed they continued to accept refunds for services used by by father.
On trying to obtain these monies back they first denied having the refunds and then said they'd passed them to the solicitors - who deny receipt.
Now I'm stuck between Creation and the solicitors, both denying having the money.
Three hours of my life wasted so far - and no further on.”
“Absolutely appalling. Haven’t been able to login for over 6 months due to them not having a working website or app. Constantly get the following message:
This site can’t provide a secure connection
federation.creation.co.uk sent an invalid response. SORT IT OUT”
“They just took two times ,within a week direct debit off my account in a month .the only money left in my account after paying bills to feed my kids you’ve taken it just now .I can’t believe it”
“Card frequently blocked for even small transactions. To get it unblocked involves at least a 15 minuted wait to get through on the phone. I only use it to get the points for Marriott otherwise it would get put in the bin.”
“I think the company is just out to mislead the customer. How can you decline some one with the unreal statistics about their credit history excuse. Wasted my previous time. Total hoax”
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“I paid over £14,000 to clear a credit card. Despite it going to their bank account with the correct reference number we are 2 weeks in and they haven’t come back to me. Despicable behaviour. They have a very limited escalation procedure and you cannot speak to anyone with any authority. Awful. Avoid.”
“Made 2 purchase from Currys, one I collected from store the other was a laptop I asked for delivery!
The laptop was never delivered and got returned back to currys!
I spoke to Currys who confirmed it had been returned, also pricing was wrong on my creation account £229 for a mouse which was in fact £12.99 . I was making payments by direct debit for the other purchase! they were taking payments for both items and after numerous phone calls they would not reduce the dd for the item not received! I cancelled it and I kept phoning to try get the credit for the laptop after 12 months it was finally sorted!
They then placed 2 late marks on my credit file ruining my business even though there portal never works and I couldn't make payments and I set up a dd 3 times and it was never taken...
They ruined my business credit as I had proof of payments I had to make by standing order! 18 months down the line they send me just short of £200 back for some reason then the day after send me a letter saying I am £228 in arrears and place yet another late Mark on my file!
No one ever calls me back... I am now following Legal Advice.
DO NOT RISK USING THIS COMPANY.”
“No stars for this company. Owned by a global bank , Bnp Paribas. They don't look after the little person. I'm out of pocket over £ 800 dealing with creation finance. Would of expected better from a world wide bank .”
“I took out finance with this company but now pay later with currys but i could not get through to my creation account because it was an old e mail address after several calls and e mails which were ignored I decided to send the item back to currys within the 14 day cooling off period. Six months later I started getting texts and letters that i owed them money. Tried calling and e mailing eventually had to go to currys to get it sorted. I still have not received any response to my complaints from creation not a letter of apology or to verify that i do not owe them money. Ive taken it up with trading standards and the financial ombudsman. Please for your sanity don’t have dealings with this company. They should be looked into by trading standards. Im still waiting for a reply as to why i was hounded in this way”
“Corrupt and disgusting, charged me £32.33 for an apparent missed payment of £30.00 for my home insurance, checked my account online which stated up to date and nothing owing showing payment taken on 28th May, contacted them to put things right but simply ignored, now i receive a letter from CIA telling me they have cancelled my insurance which is with Arkel Elite and i am in arrears but i am clearly not, trouble with these online companies, as they say, to many cooks spoil the broth. Good news is i just did a comparison and saved £10.00 per month anyway, i shall now buy online and never set up a direct debit or use this lot ever again.”
“Worst finance company - avoid if possible. Site inaccessible for months a couple years back. Now accessible and won't let you pay if 'too close' to direct debit date. I don't have a DD with them, nor can I set one up. App doesn't work. A finance company not taking payments is surely illegal? 12%? reviewers recommend says much.”
“You cannot withdraw your money from this swindle, so you keep investing.I got in touch with S I M O N C H. C O M after reading a testimonial review on the website about how they had assisted in returning stolen money. They amazed me by returning my money without causing me any worry in less than a week.”
“1.5 out of 5 , that tells the story. This company is owned by Bnp bank . Great when they want your business. Ring you all the time . When it goes wrong . WOW NOBODY WANTS TO KNOW . A big bank ? Not for the little person they are not. I'm out of pocket min £ 800 dealing with these ppl . They don't care , just try passing all the fault to the next person . Don't touch them.”
“What an absolute obvious scam. Hike the interest and won't let you pay your balance too close to your direct debit date so they can add more interest on. Don't do it.
There will be claims against these in the near future so keep all your details.”
“So typical response from creation finance. Blame everyone else. Not taking any responsibility for it's self . This company is owned by BNP PARIBAS PERSONAL FINANCE. They are a huge company. But sadly after giving you finance, that's it . No help whatsoever. Yes things go wrong, but you should be there for the customer. Blaming other companies? Don't go near them . They will leave you high and dry . I'm out of pocket over £800 . They don't care about the customer whatsoever. Had to leave 1 star , because can't write a review otherwise. Should be zero rating .”
“This is not polite
I applied for a loan and they accepted me on the condition I pay £2700 via a mobile for insurance on the loan. They then called me back to say I couldn't have it yet and have to pay £5000 . I did not pay that and asked them to refund my £2700. They said, "No problem," but didn't do anything. They have since stopped taking my calls and have not replied to the numerous emails sent and this prompt me to reach out to S I M O N C H . C O M who assisted me”
