Creation Consumer Finance Ltd - Belfast

Kay Dee

SCS applied for finance with Creation. SCS did not show me any agreement, I did not read it and I certainly did not accept or sign any part of it.

I spoke with Creation customer service advisor this morning. There is no way to contact them in writing (despite them claiming you can do this when you 'create' an online account).

The advisor broke data protection laws - he read out my personal data to me (rather than asking me what they were, which is what they usually do). He also failed to tell me that phone calls are recorded at the start - he only stated this at the end of the conversation.

The reason for my call was to cancel the finance agreement - I received an email from them saying it had been created. The advisor said I wasn't able to cancel it with Creation and needed to do it with the retailer SCS. He repeated this when I said I was sure I could do it direct with Creation and to please confirm he's positive that I cannot. He confirmed it again and was very sure of himself.

I'm now in possession of the agreement - I downloaded it from the online account (which you have to create to access the documents). The document is littered with errors and was not signed by me. It also confirms I have the right to withdraw and can do this with the creditor.

I suspect their aim is to lie through their teeth to try and push the customer past the 14 day mark. These people deal with household names - Buyer beware!

Marley crowie

I didnt even want to give a 1 star review! Took out a car finance 5 years ago traded the car in and still have money left on the account have set up payment plans/direct debits with them for near a year now numerous lengthy calls on my days off filling in forms to set up finance plan and then 5 weeks will go by and they will start sending me arrears letters saying I haven't made any payments with them and they never set up a payment plan although my bank says other wise. So I go through all the above again this happened the same over 6 months now. Money is leaving my bank each month to them and apparently I'm not paying them and they haven't set up a payment plan so where is all these 150 pounds going to if not them. They say all phone calls are recorded so I have asked numerous of times for them to listen back to the calls and then they will call me back weeks/another month will go by no call back then another arrears letter will come out now they have threatened a sums notice and if not actioned and paid in full by June will take me to court! How is this even possible how is this company even still going! Reading other people's reviews made me feel a little better as I thought I was going mad but can see everyone has been through and is going through the same with this company. I have not ignored a single letter actioned on it everytime and had ALOT of patience going over the above every 5 weeks to set up a payment plan for them to say no plan has been set up!!!! How are you suppose to sort this with our further action and impact on your credit file if they keep doing this? NEVER NEVER NEVER USE THIS COMPANY EVER!!!!! Even if your in desperate need do not go there you will end up in a serious financial difficulty and impact on your credit file your throwing money at them each month to protect your credit file and to do the right thing in clearing your accounts but they don't re call any of these payment plans and all the money your paying off your account hasn't even decreased as they keep popping arrears on top. Madness!!!!!

Geoff Smith

Not worthy of the one star that is required to post this review. CREATION is a dismal Company with zero means of effective direct Customer Service communication. Telephone numbers lead to a menu and not once has a telephone call actually been answered & the promise to return the call within 48 hours is hardly representative of a commitment to service in the 21st Century. Further, no email address is provided for query and/or complaint: the website directs "email" to a query form that does not provide enough message space and does not state that messages must be limited to 550 characters until you have tried to send your message.
EVERY SYSTEM appears to be designed to insulate "Creation" from meaningful communication. If one were of a suspicious nature one might be drawn got question the legitimacy of this "business"

Raja Raja

Creation Finance has a team set against your record and getting your name defaulted on credit score with Equifax, Transunion etc. Extremely poor in communication. Please don't associate with this company we are facing serious problems with this company

II Burnse

Absolutely ridiculous company! Took out a finance deal with them they apparently had a system error which stopped taking my direct debit then didn’t call me for 6 months to then tell me I’m in arrears, that being more then the Mac book pro I bought when I questioned them on this they said well you still have to pay them, so Iv got to make up for a error from there side when they could have contacted me immediately and I would have made payment but no decided to wait till now to inform me absolutely ridiculous

Sarah Wheeler

Absolutely VILE experience and hope never to have to deal with Creation Finance ever again. Never answer any calls, no options on ANY of the many phone numbers to actually speak to anyone who might be able to help, vague 'automated' options which don't actually address the problem or query, the phone number on the website is no longer in service. Yet they're quick enough to keep sending arrears letters in relation to an account that was paid off and closed months ago. A truly vile experience - don't touch them with a barge pole.

Sam Cox

Awful. They rang three times within 7 minutes when I couldn't pick up the phone and then didn't call back for four days. When I tried to ring them directly it took 15 minutes to get through to someone to speak to.

After speaking to someone they said that they would give me a call back at some point, maybe tomorrow.

John Lewis need to change their finance solutions as I am now going elsewhere to buy what I wanted.

Andrew Gault

Tried to access my account to pay off existing balance on account. Website does not work, continuously says website not available. Tried to pay over the phone, won't accept any payment method I try, have tried 3 different bank cards, none accepted. Waiting time to speak to an advisor in excess of 1 hour and customer service advisors won't take payment over the phone.