LOAN AGREEMENTS

1. I have a query how do I contact Creation Consumer Finance Limited?

  • Email us on customerenquiries@creation.co.uk
  • Phone us on 08716646500
  • Write to us at the below address

    Creation Consumer Finance Limited
    Chadwick House
    Blenheim Court
    Solihull
    West Midlands
    B91 2AA

Please ensure that you supply your Account Number and/or Agreement Number on any correspondence

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2. How can I pay?

  • Log onto www.creation.co.uk, register your details and login once you get your password via email. From here you can make payments, view information about your account, update your details and much more.
  • Call us on 0871 664 6500, and pay through our automated system
  • Bank Transfer - Transfer funds to us using our sort code and account number. Make sure you include your Creation account number and agreement number as reference on the transaction. Please allow five working days for the payment to reach us.

United Kingdom customers
Sort code: 30-00-02
Account number: 0132 4050

Republic of Ireland customers
Sort code: 90-00-17
Account number: 58626946

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3. Can I pay more than my regular monthly repayment or pay additional amounts to reduce my account balance?

You can increase the amount of your monthly payment or make additional payments at any time to reduce your account balance and shorten the term of your loan.

You will not incur any charges in doing this however we suggest you contact our Customer Services Centre before doing so, to discuss the options available to you.

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4. I have a 'Buy Now Pay Later' Account, when do I have to settle the balance before incurring any interest charges?

You will be sent a reminder letter before expiry of the “Special Offer Period” as stated on your credit agreement.

This letter will specify the balance on your account at that time and the amount needed to settle your account (including any settlement fee payable) before incurring any interest charges.

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5. What are the card charges?

  • Credit card – 4% fee of the amount you are paying
  • Debit card - £3 fee on top of what you are paying
  • No fees for Republic of Ireland card payment
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6. What types of cards do we accept?

UK

  • MasterCard credit card
  • MasterCard debit card
  • VISA debit card
  • VISA credit card
  • VISA Electron
  • Switch
  • Maestro
  • Solo

ROI

  • MasterCard credit card
  • VISA debit card
  • VISA credit card
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7. How long should I allow for my payment to reach you?

Payment MethodDays to reach usDays to clear with us
Bank transferUp to 5 working days5 working days
Cheque3-4 working days to reach us3 weeks to clear
Card payment online or over the phoneFunds cleared instantlyFunds cleared instantly
Standing orderUp to 5 working days5 working days
Postal order3-4 working days to reach us3 weeks to clear
Bankers draft3-4 working days to reach us3 weeks to clear
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8. How do I update my name / address / contact details?

Log onto www.creation.co.uk, select My Account and follow the login instructions.

Click on the ‘Personal Details’ tab on the navigation bar, this will take you to a page where you can update your personal details – you do not have to complete all the fields, only those that you want to change. Once you have completed your changes, checked you are happy with them, and then click on the ‘Submit’ button

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9. How do I change my Direct Debit details?

Log onto www.creation.co.uk, select My Account and follow the login instructions.

Click on the ‘Personal Details’ tab on the navigation bar, the fields you need to complete for you banking details are towards the bottom of the list. Once you have completed your changes, checked you are happy with them, and then click on the ‘Submit’ button.

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10. I would like to change my password, how do I do this?

To ensure the security of your details and the finance agreement(s) you hold with us, we are not able to allow any changes to your password.

If you forgot it, we can email it you as a reminder at any time – just click on ‘Forgot Password’ link on the main Log In page. We will email you within 2hrs of receipt of your request.

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11. My last payment is not showing, why?

Any payment that you have made towards a finance agreement you hold with us may take up to 48hrs to display on your Online Account Management.

If it is still not showing after 48hrs, please email us via the email form on the Contact Us page.

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12. My payment was not accepted, why?

There are times when a payment has not successfully processed when entered, this may be because the transaction was interrupted for some reason, perhaps your internet browser timed out before it had completed.

The first thing to try would be to log out of the Online Account Management site, sign in and try again. If this still doesn't work, either try again at a later stage or call us on 08716646500.

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13. How do I sign off?

The sign off button is in the top right corner of the screen. Clicking on this will ensure your session is closed securely.

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