Creation Consumer Car Finance Claims
Check your car finance claim eligibility in as little as 60 seconds. On average we find 2 car finance agreements per client, giving a potential claim value of £1658**
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Average of £829** per agreement
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You can claim without using a claims management company, to your finance provider and then to Financial Ombudsman Service (FOS), for free. The FCA has introduced a free consumer redress scheme.
**The FCA currently estimates that most individuals will potentially receive an average of £829 in compensation per agreement. We find on average 2 car finance agreements per client, giving a potential claim value of £1,658. See: https://www.fca.org.uk/news/statements/fca-confirms-motor-finance-redress-scheme
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Could your Creation Consumer Car Finance have been mis-sold?
Some agreements included commission setups that weren't always made clear at the time. If you had a PCP or HP agreement between April 2007 and November 2024, you may have been affected by one of the following:
Discretionary Commission Arrangements (DCAs)
The interest rate could be increased, and that increase could boost dealer commissions.
Unfairly High Commission Charges
The commission paid may have been disproportionate to the finance agreement.
Contractually Tied Arrangements
The broker may have been tied to one lender, rather than comparing options fairly.
Creation Consumer Finance Car Finance Claims: Mis-Sold PCP & HP Compensation
Reviewed by Mis-sold Expert| Last reviewed: 08/07/2026
Creation Consumer Finance is a UK consumer credit provider, part of the wider Creation Financial Services group, offering point-of-sale finance, including motor finance through dealership partnerships. Its agreements are typically arranged at the dealership rather than sourced independently by the customer, which is central to how mis-selling claims against it are usually assessed.
Is Creation Consumer Finance under review for mis-sold car finance?
Creation Consumer Finance falls within the industry-wide FCA review covering point-of-sale motor finance providers. As with other dealer-arranged lenders, the focus is on whether the dealership's commission arrangement with Creation Consumer Finance influenced the interest rate offered, and whether this was properly disclosed before you signed.
Signs your Creation Consumer Finance agreement may have been mis-sold
- The dealer didn't explain that Creation Consumer Finance would pay them commission for arranging your agreement
- You weren't offered a comparison against other finance providers
- The total cost of the agreement wasn't made clear upfront, only the monthly payment
- You felt rushed into signing on the day of purchase
- Your income and existing commitments weren't properly discussed before the finance was approved
How much compensation could I get from a Creation Consumer Finance claim?
Compensation for a successful claim typically covers a refund of interest overpaid as a result of an undisclosed commission arrangement, plus statutory interest. The precise figure depends on your agreement's size, term, and the specific commission structure involved; there's no single fixed amount across all Creation Consumer Finance claims.
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FAQs about Creation Consumer Car Finance claims
The answers you need about the claims process, fees, and more.
Creation Consumer Finance operates under the wider Creation Financial Services group. Your agreement will typically show "Creation Consumer Finance" as the named finance provider on the paperwork.
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