“Avoid.
I had a credit card with them for 10+ years; everything was fine until the last 3 years when the following happened...
Credit card was constantly blocked but they couldn't explain why when I called.
My credit limit was cut by thousands of pounds, this time they refused to explain why.
My account was then blocked online (I couldn't log in to see my balance). I called to ask why, they said it was because I 'had been in arrears, but I wasn't any more'. As you've probably guessed by now, I had not been in arrears.
I finally asked them to close my account.
Sadly this is no longer a useful company, and getting involved will them will waste your time and cause you stress.”
“Do not use this company been waiting for over 2 weeks for a refund still nothing been done and nothing added on account can see me taking this further”
“Waiting over 30 mins all the time. Nothing has been resolved. I’ve emailed them too, 48 hours later still no reply and the issue is still ongoing. I took out 1 Finance option but for some reason I am getting billed for 2 separate loans. None of them are taking ownership of the situation and being passed from one company to the other. Worst mistake I’ve ever made going with this company. The sad part is, I’m still getting debited for a loan that I’ve never signed up too. If I cancel my DD they will leave a marker on my credit file so I’m pretty much stuck paying them. Which is impacting my livelihood. I will complain to FCA to get this issue resolved ASAP.”
“Please avoid this company... Told in the soft search likely to be approved, put in the application, signed the credit agreement, set up the direct debit. Told had been approved credit. Made a creation account, then tried to make a new purchase through the creation website and get a broken 404 error message, tried to purchase on Currys, but then told to check details, then submit and confirm application and unbeknown to me it puts through another credit application when trying to pay by my £3000 credit, then this says declined, even though on the screen it shows what credit limit I have to spend. I try again later to purchase and again get a declined message. Spend nearly 40 minutes waiting to get through to a creation customer advisor to be told I was approved but then after initial checks was declined(was it declined because it had put the application through twice after initially offering me credit I don't know).
Please do not waste your time using this company. I'm now going to take legal advice on this matter, as this company will have now knackered my credit score(for when I do want to use finance to fund a purchase in future, if I ever do after this scenario..). So a waste of time trying to buy anything from Currys. I won't be using currys anymore either, as they advertise this company for credit, feel lied to and mislead by both of these companies. Please avoid.”
“Avoid at all costs. Bullies
Sadly there are no negative stars you could give. The worst company I have dealt with in my entire life. After signing the contract they have change the terms of the contract and bullied to pay more money. Avoid!!! Please do not make this mistake.
Any reviews with 5 stars should be taken with the pinch of salt. You could never understand what cowboys they are until you deal with them. They lie to your face, send threatening letters, but do not answer to the letters that are sent as an evidence to show their lies and cons.”
“This must be the only company that when you pay your bills (your plan) regularly and on time then they cut your credit in half because your not using it to it's full potential I mean who can afford to spend two thousand pounds every couple of months I currys i ask you it's ridiculous”
“I have been harassed by Curry's and Creation for months for money I do not owe. I even have an order cancellation email from them!
You can't get anyone on the phone. Had to go in store twice and be ignored and waste hours of time listening to hold music to be hung up on by bots.
Both of these 'PARTNERS' refuse to accept responsibility but my credit rating is still damaged by their miscommunication. They also can't be bothered to do anything about it.
BACKGROUND
The reason I ordered from them in the first place was because I was mislead to believe an order could be collected same day or day after. Once a financial agreement was set up I was told a week, so I cancelled it. Am currently still being harassed by Creation and Currys for money I do not owe on products I never received. I am anxious and miserable because of it and just want to be left alone.”
“Credit card - absolutely useless customer services, 3 or 4 times whilst working away, have had payment blocked during weekend, closed on Sundays, - Monday mornings waiting up to 58 mins to speak to someone to get unblocked to use for food and hotels ?? - most disinterested people I have ever dealt with answer the phone. As IHG hotels have left Creation leaving just an ordinary, no rewards credit card, just paid off full amount, as usual - had to wait almost half an hour to tell them I wanted to leave - gone back to First Direct, made 3 customer service calls, waited maximum 4 mins, someone answered almost immediately and apologised for the fact you may have to wait up to 5 minutes”
“I have been trying to contact them for over six months to inform them that the former tenants moved out since last year but to no avail. Impossible to contact. They continue to waste time and resources sending out letters only for me to have to return them.”
“An awful company with no access to customer service. I notified them before travelling with location and date. After a couple of days they blocked the card with no access to payment method with family on tow. Sent them message but no replies. Tried calling from abroad for several hours with the music playing for 3 hours every day but nobody picks up the call. Either man the phone or atleast reply to emails or messages. They do neither leaving you with a card that does not work despite having £14000 available to spend. Definitely one to cancel.”
“AVOID
Cancelled an order with Currys the same day it was made. Creation have harassed me for over a month with daily messages, emails and phone calls chasing me. I have sent them the confirmation from Currys multiple times to show the order has been cancelled and that a product was never received.
They then tried to take money from my account without permission, thankfully my bank stopped this.
I have been on the phone to them to solve this for so long I feel like I should be paid for the time. This is pure incompetence. I was also told “your problem is with Currys” and are asking me to fix this for them with Currys.
I am still working with my bank to resolve the effect on my credit rating.”
“I now have so many complaints lodged I’ve list count. No replies to any of them. I keep being told I’m in arrears when I am up to date with my credit card payments. This is making me ill with worry. Today’s letter told me this is reported to the credit ref agency which will affect my credit record. I have tried every way to contact for months.”
“Only one service they consistently do is to decline transaction and block my card every now-and-then as "Security Issue" while making payment to primary school or to council services. Then I'd have to call them to unblock the card, if only I was lucky enough on that day to go though the customer services 'music' line! (However I like their soft music as otherwise I'd have been deaf by this time by listening them for hours at a stretch!). They never explained the reason for the block!”
“I have bought goods through creation for many years and have never had a problem. I spoke to a fantastic lady today Miracle she was professional and just put me at ease. I wanted to pay off my agreement and Miracle made it easy to understand and talked me through every step. Miracle apsoluty deserves her name god bless her thankyou.”
“After a very busy I had to contact Creation Finance and they were very helpful.
It was great to be able to tick them off my to do list and I was relieved it was done so efficiently”
“Awful, I believed I was paying off my direct debit to receive a letter claiming I was in over £100 arrears which come as a shock. Spoke to a colleague over the phone who admitted it was cancelled their end and not from myself but told I still had to pay the full amount. Called recently to explain my maternity pay from work wasn’t going through and had to claim through the government and needing to wait 4 weeks minimum for a decision and until then my money situation very very restricted but told I still had to pay my remaining balance in 7 days regardless.. I’ve never dealt with a single caller who hasn’t been rude or made me feel bad for having something to pay off in the first place. After my case is closed I’ll make sure never to use creation even if the situation is in my favour.”
