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Creation Consumer Finance Limited

Financial Ombudsman decision DRN-4119465 Not upheld

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

Interest and rates, Credit file reporting

In the Ombudsman’s words

Mr T complains that Creation Consumer Finance Ltd, who I’ll call Creation, shouldn’t have charged him interest on a Buy Now Pay Later transaction.Interest and rates

He’s also upset that they made adverse reports to his credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4119465.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.