CREATION CONSUMER FINANCE LIMITED

Reference number: 311518

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Also trades as
  • BNP Paribas Personal Finance
  • OMODA JAECOO EUROPE FINANCE

Company details

From the company's Companies House record.

Company number
NI032565
Company status
Active
Company type
Private limited company
Incorporated
19 June 1997 (29 years old)
Registered office
Wellington Buildings 6th Floor, Wellington Buildings, 2 - 4 Wellington Street, Belfast, BT1 6HT, Northern Ireland
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Current directors and secretaries

Name Role Born Appointed
Stephen Andrew Robert Hunt Director Feb 1967 30 Mar 2007
Lakshmi Krishna Moorthy Director Dec 1973 1 Oct 2021
Ethel Paraud Director Aug 1968 1 Oct 2021
Michael Stefan Redferne Director Nov 1959 30 Jun 2023
Anais Raynaud Director Jun 1978 25 Oct 2023
Gaetan Benoit Vercruysse Director Jan 1970 1 Apr 2026
David Maurice Carson Secretary Not published 1 Apr 2016

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.

Check your FSCS cover →

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  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Administration
  • Debt-collecting
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

What customers have complained about

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Open & Direct Retail Services Limited

Names it no longer trades under

This firm has retired 13 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • AA Financial Services
  • AA Loans
  • Creation
  • Creationconsumerfinance.Com
  • Creationconsumerfinance.Co.Uk
  • Creation.Co.Uk
  • Creation Loans
  • Creationloans.Com
  • Creationloans.Co.Uk
  • Creationpersonalloans.Com
  • Creationpersonalloans.Co.Uk
  • Creation Premium Finance
  • Open + Direct Retail Finance

Complaints record

In January–June 2025, the Financial Ombudsman Service received 572 new complaints about this firm, and upheld 42% of the ones it decided.

That is above the 31% median for the firms the Ombudsman reports on.

  • Banking and credit 572

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is CREATION CONSUMER FINANCE LIMITED FCA authorised?
Yes, CREATION CONSUMER FINANCE LIMITED (FRN 311518) is authorised by the FCA to carry out regulated activities.
Is my money safe with CREATION CONSUMER FINANCE?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about CREATION CONSUMER FINANCE to the Financial Ombudsman Service, free of charge.
Is CREATION CONSUMER FINANCE a scam or clone?
CREATION CONSUMER FINANCE is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is CREATION CONSUMER FINANCE's Firm Reference Number (FRN)?
CREATION CONSUMER FINANCE's FRN is 311518. You can verify it on the FCA register.