Creation Financial Services Limited

Reference number: 313153

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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
01091883
Company status
Active
Company type
Private limited company
Incorporated
23 January 1973 (53 years old)
Registered office
Air, 35 Homer Road, Solihull, B91 3QJ, England
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 1 May 2006
Ethel Paraud Director Aug 1968 1 Oct 2021
Lakshmi Krishna Moorthy Director Dec 1973 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 2 May 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

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.

    How safeguarding works →

  • 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 →

Show FCA detail (13 permissions)
  • 1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
  • 4. Executing payment transactions (credit line)
  • 5. Issuing and/or acquiring of payment instruments.
  • 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

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
  • Allders
  • Ann Summers
  • Brantano
  • Creation
  • Creation Cards
  • Creation Storecard
  • Duet
  • Duet Storecard
  • M & Co
  • Quiz
  • See Sheet
  • Selfridges
  • USC

Complaints record

In January–June 2025, the Financial Ombudsman Service received 81 new complaints about this firm, and upheld 39% of the ones it decided.

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

  • Banking and credit 81

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 Financial Services Limited FCA authorised?
Yes, Creation Financial Services Limited (FRN 313153) is authorised by the FCA to carry out regulated activities.
Is my money safe with Creation Financial Services?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount, and eligible claims may be protected by the FSCS. You can also refer complaints about Creation Financial Services to the Financial Ombudsman Service, free of charge.
Is Creation Financial Services a scam or clone?
Creation Financial Services 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 Financial Services's Firm Reference Number (FRN)?
Creation Financial Services's FRN is 313153. You can verify it on the FCA register.