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Creation Consumer Finance Limited
Financial Ombudsman decision DRN-5231402 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Tue Jan 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
Product mis-sold, Complaint handling
In the Ombudsman’s words
he thought the system was mis-soldProduct mis-sold
Creation sent a final response letter in October 2021 to say they were dismissing the complaint without consideration because it had been brought out of time.Complaint handling
Rules cited
Consumer Credit Act 1974, FCA DISP (Dispute Resolution), Financial Services and Markets Act 2000
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5231402.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.