Creation

À propos de la société

According to its official website, Creation is a consumer finance brand that is part of BNP Paribas Personal Finance and says it has been providing finance for more than 50 years. Working with UK electrical, furniture and home improvement retailers and motor dealerships, it offers individuals retail finance (Currys flexpay account, Flexible Finance Account, B&Q FlexiPlan), personal loans, credit cards and motor finance. Creation is the trading name of two companies: Creation Financial Services Limited (FCA 313153), which administers credit card accounts and has its registered office in Solihull, and Creation Consumer Finance Limited (FCA 311518), which provides personal loans, motor finance and retail finance and has its registered office in Belfast; the site says both are separately authorised and regulated by the FCA. Customers manage their accounts through the Creation Finance and Creation Credit Card apps and the Online Account Manager. According to Companies House, Creation Financial Services Limited was incorporated in 1973 and was formerly named Sears Financial Services Limited. This information is the company's own statement.

Détails du compte

Licences et réglementation

FCA (United Kingdom)

FCA (United Kingdom)

Réclamations des utilisateurs

Les signalements d’utilisateurs trouvés en ligne sont classés par sujet. Les graphiques montrent la répartition des signalements ; ceux-ci sont compilés à partir des enregistrements publiés sur Trustpilot, WikiFX et Şikayetvar, et les enregistrements d’une même personne ne sont comptés qu’une seule fois.

Période examinée: août 2026 – octobre 2026

• Prêts et cartes de crédit: 29
• Blocages et gels de compte: 21
• Autre: 21
• Retraits et paiements: 8
• Service client: 8
• Frais et commissions: 2

ÉLEVÉ — NIVEAU DE RÉCLAMATIONS

26 % des établissements ayant des réclamations enregistrées en ont reçu davantage que celui-ci.

PAR SUJET — Prêts et cartes de crédit: Très élevé · Blocages et gels de compte: Très élevé · Autre: Très élevé · Retraits et paiements: Moyen · Service client: Élevé · Frais et commissions: Élevé

SOURCES EXAMINÉES

• Trustpilot
• Şikayetvar
• WikiFX

The complaint distribution is based on the latest 1-star reviews on Creation's Trustpilot page (89) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Creation name are left out. Across the complaints, finance applications declined and orders cancelled despite available credit, app and website login problems, and technical failures stand out.

Sources et historique des vérifications