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.

Website, phone number and address

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.

In the full report: 3 background checks

  • When creation.co.uk first appeared online, and whether it can receive email
  • What kind of line 0371 376 9214 is, and the other firm that gives it
  • Who else gives the postcode B91 3QJ
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Other names (16)

If you were contacted under any of these names, it is this firm.

  • BNP Paribas Personal Finance Trading name
  • OMODA JAECOO EUROPE FINANCE Trading name
  • Open & Direct Retail Services Limited Former name
  • AA Financial Services Former trading name
  • AA Loans Former trading name
  • Creation Former trading name
  • Creationconsumerfinance.Com Former trading name
  • Creationconsumerfinance.Co.Uk Former trading name
  • Creation.Co.Uk Former trading name
  • Creation Loans Former trading name
  • Creationloans.Com Former trading name
  • Creationloans.Co.Uk Former trading name
  • Creationpersonalloans.Com Former trading name
  • Creationpersonalloans.Co.Uk Former trading name
  • Creation Premium Finance Former trading name
  • Open + Direct Retail Finance Former trading name

FCA permissions and consumer protection

  • 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.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (10 permissions)
  • 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

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
572
upheld, against a 31% median
42%
about banking and credit
572

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

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)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Andrew Robert Hunt Director Feb 1967 30 Mar 2007 7 other companies
Ethel Paraud Director Aug 1968 1 Oct 2021 1 other company
Lakshmi Krishna Moorthy Director Dec 1973 1 Oct 2021 7 other companies
Michael Stefan Redferne Director Nov 1959 30 Jun 2023 3 other companies
Anais Raynaud Director Jun 1978 25 Oct 2023 None
Gaetan Benoit Vercruysse Director Jan 1970 1 Apr 2026 None
David Maurice Carson Secretary Not published 1 Apr 2016 –

Other companies run by these 6 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
15
closed down
5
are FCA-registered
2

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register, including one no longer authorised
  • The 1 company these 6 directors run together
  • All 30 people who have ever been directors, with their dates
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Key dates in its history

Creation Consumer Finance’s history from the FCA register and Companies House, newest first.

Key events (7) All events (94)

2017

28 December 2017

  • FCA imposed a requirement (Not permitted to canvass off trade premises)

FCA register

2016

6 April 2016

  • Creation Financial Services Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2007

5 March 2007

  • Changed its registered name from "Open & Direct Retail Services Limited"

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1997

19 June 1997

  • Incorporated at Companies House

Companies House

In the full report: all 94 events

  • All 94 events in its history (7 shown here)
  • Every director appointment and resignation: 56
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Firms connected to Creation Consumer Finance

Other FCA-listed firms that share a director, phone number or address with Creation Consumer Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
5
share a director
2
share its phone number
1

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (2), the same phone number (1), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Creation Consumer Finance

Other firms of the same type (lender), nearest first.

In Solihull

Creation Financial Services LimitedSolihullAuthorisedCaterpillar Financial Services (UK) LimitedSolihullAuthorisedEi Group LimitedSolihullAuthorisedBrian Jeffs Finance LimitedSolihullAuthorisedRaymond WilkinsSolihullAuthorisedChambers A LimitedSolihullAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Creation Consumer Finance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 94 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Creation Consumer Finance Limited FCA authorised?
Yes, Creation Consumer Finance Limited (FRN 311518) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a lender. The FCA has placed a limit on what it may do.
What is Creation Consumer Finance’s phone number and website?
The FCA register lists the phone number 0371 376 9214 and the website creation.co.uk for Creation Consumer Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Creation Consumer Finance a scam or clone?
Creation Consumer Finance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Creation Consumer Finance?
Its FCA permissions do not allow it to hold or control client money. 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.
Who owns Creation Consumer Finance?
Creation Consumer Finance is owned by Creation Financial Services Limited, which holds 75–100% of shares, since 6 April 2016.
Who runs Creation Consumer Finance?
Companies House lists 6 directors of Creation Consumer Finance: Stephen Andrew Robert Hunt, Ethel Paraud, Lakshmi Krishna Moorthy, Michael Stefan Redferne, Anais Raynaud and Gaetan Benoit Vercruysse.
How long has Creation Consumer Finance been in business?
The company was formed on 19 June 1997, and has held its current FCA authorisation since January 2005.
How many complaints does Creation Consumer Finance get?
In January–June 2025, the Financial Ombudsman Service received 572 new complaints about Creation Consumer Finance, and upheld 42% of those it decided.
Does Creation Consumer Finance use any other names?
It trades as BNP Paribas Personal Finance and OMODA JAECOO EUROPE FINANCE. It has previously used 14 other names, including Open & Direct Retail Services Limited, AA Financial Services and AA Loans.

Sources and links

The full report on Creation Consumer Finance Limited

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