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Creation Consumer Finance Limited
Financial Ombudsman decision DRN-3989522 Upheld
Upheldoutcome, as published by the Ombudsman
£100redress stated in the decision
Tue Jul 02deadline 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
Product mis-sold, Complaint handling
In the Ombudsman’s words
Mrs S has complained about the way Creation Consumer Finance Ltd (“Creation”) responded to claims she’d made in relation to misrepresentation, breach of contract, and an alleged unfair relationship taking into account section 140A (“s140A”) of the Consumer Credit Act 1974Product mis-sold
Creation sent a final response letter in November 2021 saying it was dismissing the complaint without consideration because it had been brought out of time.Complaint handling
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3989522.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.