Creation Finance complaint?

Do you have a dispute or a bad customer experience with Creation Finance? Report it through our website to maximize the chance of getting it resolved.

We help you write an effective complaint in minutes. Our AI models are trained on thousands of effective complaint letters. Then we push it through emails, social media, paper complaint letters and other tools at our disposal. And you are not alone: our helpful community is there for advice.

The Creation Finance customer service number for finance agreement customers in the UK is 0371 402 8905, and the Creation contact page lists separate lines for loans, credit cards and motor finance. Existing customers can also send a message through the Online Account Manager, which Creation describes as the quickest way to get in touch, and complaints can be raised on its customer care page. Have your agreement number, the retailer you bought from and the date of the purchase ready.

Payment taken that you did not expect? Start your complaint here as well: we push it out to Creation Finance by email, social media and printed letters.

Creation Finance appears on a bank statement when you have a finance agreement, loan or credit card with Creation: it is the lender behind point-of-sale finance at retailers such as Currys, B&Q, John Lewis & Partners, Wren and SCS, so a purchase paid for in monthly instalments is collected by Creation rather than by the shop. Check the emails and paperwork from the retailer for a Creation agreement number, and compare the amount with the monthly payment in that agreement.

If you do not recognise the agreement at all, call Creation on 0371 402 8905, the number on its own website, rather than any number given in a text or email, and ask which agreement the payment belongs to.

Creation Finance customers can ask for a settlement figure by calling 0371 402 8905 or by sending a message through the Online Account Manager. Under UK consumer credit rules you can repay a credit agreement early, in full or in part, and the lender must give you a written settlement statement when you ask for one. Check the figure against your agreement, your statements and the date it is valid until, and keep the written statement with the date you received it.

Settlement figure higher than your own sums? Put it through our complaint process: we help you write the challenge in minutes, drawing on complaint letters that actually worked.

Yes: the Financial Ombudsman Service covers complaints from Creation Finance customers in the UK, including its loans, motor finance, retail finance and credit cards. It generally expects Creation Finance to have had the chance to put things right first, so keep a record of every call, letter and reference number.

Disputing a charge on your Creation agreement? Start it here: our trained AI opens a case for you and keeps coaching you on what to reply and when to push again.

Be careful. Creation warns that fraudsters are phoning people, claiming they are owed car finance compensation and asking for personal information. Creation says payments under the planned compensation scheme may not start until 2027 or later, and that you do not need a claims firm. Hang up and share nothing on a call like that.

Nothing has been reported about Creation Finance here yet. Our research shows what typically goes wrong at point-of-sale and consumer lenders: interest that starts when a buy now pay later or interest-free period ends, settlement figures higher than the borrower expected, direct debits taken twice or not at all, missed-payment markers on a credit report, and goods bought on finance that turn out faulty while the retailer and the lender each point at the other.

Charged interest after a buy now pay later period you thought you had cleared? Be the first to report it: your case opens the record for the next borrower who finds the same charge on a Creation statement.

Your complaint gets its own public page on Complain.biz and we get to work: we bring it to the attention of Creation Finance through emails, social media, paper complaint letters and other tools at our disposal.

And we stay with it after you file. Our trained AI opens a case file for you and keeps coaching: what to reply, when to push again, and how to escalate if nothing happens.

Yes. We have an active community of consumers, and complaints here are public: people who ran into the same problem with Creation Finance can give you advice or back you up with their own story. A complaint with a community behind it is much harder to overlook.