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Creation Consumer Finance Limited
Financial Ombudsman decision DRN-5971116 Not upheld
Not upheldoutcome, as published by the Ombudsman
£2,678redress stated in the decision
Mon Nov 25deadline 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
In the Ombudsman’s words
Mr J complains Creation Consumer Finance Ltd (Creation) unfairly charged him interest on his credit account after he bought an item on a Buy-Now-Pay-Later (BNPL) basis.Interest and rates
Rules cited
FCA DISP (Dispute Resolution), FCA Consumer Duty (PRIN 2A), Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook)
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5971116.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.