Creation Reviews

  Ratings based on 27 reviews       Last review 3 months ago    

We provide a range of retail finance, credit card and loans to over 4 million customers to help you manage your money in your everyday life. Smart Money People is the place for Creation reviews. Read and write reviews to help increase trust and...

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We provide a range of retail finance, credit card and loans to over 4 million customers to help you manage your money in your everyday life. Smart Money People is the place for Creation reviews. Read and write reviews to help increase trust and transparency in Financial Services.

Overall Rating

Good

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Creation Review Insight

What are people saying in their reviews?

Speed

56% of feedback is Process related

Customer profile

Top Age Profile: 35-44

Top Channel Preference: Online

Creation Products 27

Creation Personal Loan

Do not use

Paid full amount in June Creation kept sending letters stating DD not been paid forget how many customer service reps I spoke to eventually spoke to young lady in June went through full story again how we had won ruling from financial ombudsman and... Read more

Paid full amount in June Creation kept sending letters stating DD not been paid forget how many customer service reps I spoke to eventually spoke to young lady in June went through full story again how we had won ruling from financial ombudsman and creation had repaid amount agreed on, I then paid balance owed in June, took about 20 to 30 minutes on phone eventually she had found the payment problem had been it was in name of Mrs not Mr as Mr was blind it would have been awkward but never mind it was sorted and she would phone back in few days and to ignore any other letters asking for payments what a relief however still not had phone call from her but received another letter this morning demanding a payment of the full amount paid in June, so I printed copies and sent one back to Creation with another copy of credit card payment with comments also sent latest letter to Resolve Claims who had won the compensation originally via Financial Ombudsman, so please if anyone is looking for financial help don’t go to Creation

Reviewed on 10th October 2020
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Happy camper
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Creation Personal Loan

Poor after service

Defaulted on a loan for a sofa. Paid back the money but a note was left on my credit file and on my title deeds which delayed the sale of my house!! Not impressed

Reviewed on 9th July 2020
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SPH
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Everyday Credit Card

the worst company ever!

do not trust this company! the worst experience ever!

Reviewed on 13th June 2020
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Adrian
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Creation Personal Loan

Disappointing

Creation lack understanding and missed payment fees are ridiculous!... Read more

Creation lack understanding and missed payment fees are ridiculous!
I was payed incorrectly a few months ago and received an extremely patronising phone call from their customer service team advising me to better manage my money. Despite my explanation they applied charges to my account and did not offer a grace period to arrange my pay. Very disappointed and will not use creation finance again once my loan is settled.

Reviewed on 10th June 2020
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Stephanie Hopper
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Creation Personal Loan

TERRIBLE COMPANY!!!!

WHAT AN UTTERY DISGUSTING COMPANY THIS LOT ARE, I RING THEM THEN THEY CUT OFF THE CALL, I SEND EMAILS AND THEY DON'T REPLY, I EVEN SENT THEM A SNAIL MAIL BUT GOT NO REPLY, BUT YET THEY KEEP SENDING HARASSING LETTERS EVEN THOUGH THEY DON'T REPLY TO... Read more

WHAT AN UTTERY DISGUSTING COMPANY THIS LOT ARE, I RING THEM THEN THEY CUT OFF THE CALL, I SEND EMAILS AND THEY DON'T REPLY, I EVEN SENT THEM A SNAIL MAIL BUT GOT NO REPLY, BUT YET THEY KEEP SENDING HARASSING LETTERS EVEN THOUGH THEY DON'T REPLY TO ME AT ALL!! STAY AWAY FROM THIS LOT, WOULD NOT RECOMMEND THEM WHATS SO EVER!!!!

Reviewed on 30th April 2020
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Chris Burns
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Creation Personal Loan

Very helpful and understanding

Due to a change in circumstances was unable to make repayments, they went above and beyond to help me.

Reviewed on 27th April 2020
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Rebecca John
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Creation Personal Loan

NO ANSWER FROM MY E-MAILS

Took a small loan out for matress. Rang bensons as time was getting on They had no order down to us yet my bank shows they have the standing order set up . eMAILED CREATION SEVERAL TIMES -NO REPLY.

Reviewed on 5th November 2019
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William Sam Spence
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Creation Personal Loan

Worst customer service ever

More than 2 weeks since I bought my laptop and no one is able to help me. I Cant create my Creation account , all the time I'm trying to set up the password is popping up an error called "status 200" , called several times to your phone helpline and... Read more

More than 2 weeks since I bought my laptop and no one is able to help me. I Cant create my Creation account , all the time I'm trying to set up the password is popping up an error called "status 200" , called several times to your phone helpline and emailed customer service and no one hasn't helped me yet. Its shamefull, having a finantion with you guys and no being able to manage my account to know how the payments are going to be splitter.

Reviewed on 1st October 2019
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Javier Maltes Martin
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Creation Personal Loan

Cant fault them

Had a loan to buy furniture and it was perfect cant fault them

Reviewed on 9th June 2019
Matthew's avatar
Matthew
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Creation Personal Loan

Simple

I have been trying to apply for a loan and this is the only company who gave me hope. Thank you Creation.

Reviewed on 5th June 2019
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Kaye Young
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Everyday Credit Card

Dreadful and ruthless customer service

Shocking customer service and ruthless in collecting late payments. Beware that they operate the old 3 day (at least) clearing system for payments. No fast payments here! Do not touch them with a barge pole unless you have... Read more

Shocking customer service and ruthless in collecting late payments. Beware that they operate the old 3 day (at least) clearing system for payments. No fast payments here! Do not touch them with a barge pole unless you have to.
I have (had) a IHG credit card which is provided by Creation. the only reason I took out the card was to collect IHG points. I pay my card off in full every month but last month I was charged £14 late payment. My payment left my bank on the 12th and arrived at Creation on the 15th which was apparently 1 day late. I received my statement on the 25th April and rang the call centre when I was told to write an email showing proof of my payment date. I did this on the 25th April (the date of my statement). No response for a few days so I called again on the 1st May and was told it would take 7 working days to consider. No response by 8th May so I called again as my next payment for May is due. Very friendly agent who could not help me and referred to her supervisor who told me I must make the late payment. I paid over the phone and immediately closed my account.

Reviewed on 8th May 2019
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David Shackleton
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Creation Personal Loan

Never ever use

Very Very slow, systems are poor, customer service is poor - they do not do what they say and still waiting 2 weeks later for loan agreement - terrible

Reviewed on 30th August 2018
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tannin
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Everyday Credit Card

Appalling customer service

I prefer it when I don't have to contact a financial service provider because it means everything is going well... but I have been thoroughly disappointed by Creation's approach to customer service. Nobody knows what they're talking about, nobody... Read more

I prefer it when I don't have to contact a financial service provider because it means everything is going well... but I have been thoroughly disappointed by Creation's approach to customer service. Nobody knows what they're talking about, nobody takes responsibility for putting things right, and it left a really bad taste in my mouth. I will be closing my account after only 6 months as a customer.

Reviewed on 1st June 2018
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Pete
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Creation Personal Loan

Great service

Customer service is excellent, always been so helpful

Reviewed on 22nd June 2017
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Emma Brunton
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Everyday Credit Card

Easy going

Always someone to talk to if you have a question and all my queries were solved over the phone

Reviewed on 1st June 2017
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Future lusinga
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Everyday Credit Card

Fantastic cashback credit card

Excellent cashback offers everyone you use your credit card

Reviewed on 31st May 2017
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Karl Parr
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Everyday Credit Card

LOW INTEREST EVERYDAY CREDIT CARD

CREATION OFFER THEIR EVERYDAY CREDIT CARD WITH VERY FAIR LOW INTEREST RATES. BEFORE APPLYING YOU CAN CHECK YOUR ELIGIBILITY. APPLYING IS QUICK AND EFFICIENT WITH AN INSTANT DECISION.

Reviewed on 30th May 2017
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Wilson Strutte
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Everyday Credit Card

IHG MASTER CARD

IHG REWARD CARDIf you are an existing IHG Rewards member and they ask you to change your credit card to Creation Finance Master card, do not do it. I applied for this card on line assuming it would just take over from the old card. How wrong was I.... Read more

IHG REWARD CARDIf you are an existing IHG Rewards member and they ask you to change your credit card to Creation Finance Master card, do not do it. I applied for this card on line assuming it would just take over from the old card. How wrong was I. After three times of them sending the cards to a wrong address so I had no idea that the account had even been opened, I am now on the bad creditors list for late payment.

Reviewed on 26th May 2017
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Anonymous
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Creation Personal Loan

Great service

Wonderful experience and easy to work with

Reviewed on 21st May 2017
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Anton Pretorius
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Creation Personal Loan

Stress free credit

A stress free, easy to follow through every step.

Reviewed on 7th May 2017
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Lucy Fletcher
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