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Creation Consumer Finance Limited
Financial Ombudsman decision DRN-4873878 Not upheld
Not upheldoutcome, as published by the Ombudsman
£1,000redress stated in the decision
Wed Jul 24deadline 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
Irresponsible lending, Product mis-sold
In the Ombudsman’s words
She also complains that her relationship with Creation was unfair on her, taking into account Section 140A (“s.140”) of the CCA, and that Creation should not have lent to her because the lending was unaffordable or its decision to lend irresponsible.Irresponsible lending
Miss F complains about Creation Consumer Finance Ltd (“Creation”)’s response to a claim she made under Section 75 (“s.75”) of the Consumer Credit Act (“CCA”), in relation to a solar panel system (“the system”).Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4873878.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.