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No — Creative Pension Trust is a real business. But the scam reports around it are under active investigation, and if you lost money to someone using its name, that is exactly what we investigate.
Send this to Forensics Source GroupCreative Pension Trust is a TPR-authorised multi-employer auto-enrolment Master Trust (part of Cushon Master Trust, FRN 929465) — now migrating to the Cushon brand — whose service record includes transfers taking up to two and a half years. These are the facts that check out on public registers — the complaint record is what our review is still working through:
Checking out is not the same as closed: the complaints against Creative Pension Trust are under active investigation, and none of the facts above protects you from a fake. Most 'creative pension trust scam' searches trace to impersonators, not the platform itself — the ones that don't are the reason we investigate.
One more thing before you deposit: the complaints around Creative Pension Trust are under investigation — by us, not by a regulator. The service record is severe and multi-year: Trustpilot ~1.1–1.2/5 with transfers out taking 5 months to 2.5 years, hold times of 1.5–4.5 hours, ignored emails, drawdown requests stuck since September 2024 still unpaid in March 2025, and members resorting to court. The ugliest allegations — funds disinvested and held in the platform’s account for weeks earning interest while transfers stalled, “fraud” and “thieves” — are anger at service failures; the documented wins are ombudsman and court cases, not fraud findings. One reviewer reports being auto-re-enrolled into an underperforming default fund (-7.4%) after opting out. The structural point: 12,000+ employers’ members had no choice of provider, so exit is the only remedy and the exit is the thing that failed.
Both feel identical from the inside. They are fixed by completely different routes — and the fastest way to tell them apart is to ask three questions.
If it is the real platform: your dispute runs through its formal complaints process, then the regulator or ombudsman. Slow, but it usually works. Going forward, direct new complaints at Cushon — the brand migration means Creative Pension Trust’s site and member portal are closing. If your transfer or drawdown is stalled now: formal written complaint, final-response letter, then the Pensions Ombudsman (free) or Small Claims Court — both have worked for members of this very trust.
If it was an impersonator: you were never a customer of Creative Pension Trust at all. A clone site, a fake “account manager”, a lookalike domain — the money went to criminals, not to the platform. That is fraud, and speed decides what can be recovered.
The three questions: did you type the official domain yourself, or follow a link, advert or message? Did anyone contact you first? Were you asked to pay a personal account or a different domain? If any answer is wrong, treat it as impersonation — and start here.
No — Creative Pension Trust is a real business: Genuinely authorised: a Pensions Regulator-authorised Master Trust (PSR 12008536) within the Cushon group (Cushon Group Ltd, FRN 929465) — the regulatory structure is real and verifiable. The scam stories you see online usually trace to fakes borrowing its name — and the ones that don't are part of our active investigation. But read the note above first — the business is real, and so are the caveats.
Different framework: as a workplace Master Trust it is regulated by The Pensions Regulator (TPR), not authorised like a bank — the record to check is the TPR master-trust register (PSR 12008536), now under Cushon Master Trust. Member disputes go to the Pensions Ombudsman, and the trust must have an internal dispute resolution procedure by law.
Almost certainly not. Impersonators borrow the name, the logo, even the licence number. The real company knows nothing about it. Keep every message, receipt, URL and wallet address — that evidence is what an investigation builds on.
The domain you actually used, the date, and whether it was a card, a bank transfer, or crypto. Or the name of the person who told you to pay. Or one screenshot. Where the same payment shows up from other people, those files can sit together as a class action. The first look is free.
Type the official domain yourself — creativepensiontrust.co.uk — never follow a link from an advert, email or message. Then check the regulator's public register, which lists the firm's genuine website. If your domain differs by even one character, it was a fake.
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