I have just had the offer of a credit card from creation - apparently I am pre-approved in a name that I changed from some 13 years ago and their interest rate is 29.something % in an age where interest rates are very low. Was curious enough to search and find out who on earth they could be. The address on the form might be of interest to some in this thread: This creation card is issued by Sygma Bank UK, a Creation group company, Chadwick House, Blenheim Court, Solihull West midlands B91 2AA It also says it is a private company limited by shares incorporated in France with registration number RCS Paris B327 511 036 Authorised by the Banque de France and and subject to limited regulation by the FSA England and Wales registration no fc023963 The telephone number 0871 332 9290 is written in the documentation. hope this helps someone sort out their issue with them.