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Creation Consumer Finance Limited
Financial Ombudsman decision DRN-3771249 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Nov 21deadline to accept (not the decision date)
The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.
What this decision was about
Charges and fees, Complaint handling
In the Ombudsman’s words
Mr D missed the BNPL end date and was charged interest under the agreement.Charges and fees
He told Creation that he was prepared to settle the account immediately but says that the long drawn out complaints procedure meant he was charged further interest.Complaint handling
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3771249.pdf on financial-ombudsman.org.uk.
The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.