Creation Financial Services Limited

Reference number: 313153

Instant download

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
Instant PDF download
Other names (15)

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

FCA permissions and consumer protection

  • 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.
  • 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 (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

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
81
upheld, against a 31% median
39%
about banking and credit
81

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
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)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Andrew Robert Hunt Director Feb 1967 1 May 2006 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 2 May 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
  • The 1 company these 6 directors run together
  • All 59 people who have ever been directors, with their dates
Instant PDF download

Key dates in its history

Creation Financial Services’s history from the FCA register and Companies House, newest first.

Key events (8) All events (151)

2023

31 March 2023

  • Alpha Credit S A took control (75–100% of shares)
  • BNP Paribas Personal Finance S A gave up control

Companies House

2017

28 December 2017

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

FCA register

2016

6 April 2016

  • BNP Paribas Personal Finance S A took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

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

FCA register

1973

23 January 1973

  • Incorporated at Companies House

Companies House

In the full report: all 151 events

  • All 151 events in its history (8 shown here)
  • Every director appointment and resignation: 112
Instant PDF download

Firms connected to Creation Financial Services

Other FCA-listed firms that share a director, phone number or address with Creation Financial Services. 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
Instant PDF download

Firms like Creation Financial Services

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

In Solihull

Creation Consumer Finance 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 Financial Services

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 151 events in its history
  • 5 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Creation Financial Services Limited FCA authorised?
Yes, Creation Financial Services Limited (FRN 313153) 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 Financial Services’ phone number and website?
The FCA register lists the phone number 0371 376 9214 and the website creation.co.uk for Creation Financial Services. 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 Financial Services a scam or clone?
Creation Financial Services 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 Financial Services?
Its FCA permissions do not allow it to hold or control client money. 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.
Who owns Creation Financial Services?
Creation Financial Services is owned by Alpha Credit S A, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 31 March 2023. Before that, it was controlled by BNP Paribas Personal Finance S A.
Who runs Creation Financial Services?
Companies House lists 6 directors of Creation Financial Services: Stephen Andrew Robert Hunt, Ethel Paraud, Lakshmi Krishna Moorthy, Michael Stefan Redferne, Anais Raynaud and Gaetan Benoit Vercruysse.
How long has Creation Financial Services been in business?
The company was formed on 23 January 1973, and has held its current FCA authorisation since January 2005.
How many complaints does Creation Financial Services get?
In January–June 2025, the Financial Ombudsman Service received 81 new complaints about Creation Financial Services, and upheld 39% of those it decided.
Does Creation Financial Services use any other names?
It trades as BNP Paribas Personal Finance and OMODA JAECOO EUROPE FINANCE. It has previously used 13 other names, including Allders, Ann Summers and Brantano.

Sources and links

The full report on Creation Financial Services Limited

£19.99 · Instant PDF download

Loading secure checkout…