We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 740 results
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Decision Reference DRN2581392
7 Feb 2014 East Renfrewshire Credit Union Ltd Not upheldBanking and creditMr A complains that East Renfrewshire Credit Union Ltd misled his late father into opening and maintaining an account when it promised substantially higher death benefits than were eventually paid. He would like the credit union to pay the amount he believes it promised it would pay.Mr... (3 pages)View decision -
Decision Reference DRN-5214435
16 Dec 2024 Dromara & Drumgooland Credit Union Limited UpheldConsumer CreditDRN-5214435 The complaint Mr M complains that Dromara & Drumgooland Credit Union Limited (“the Credit Union”) has unfairly declined his application for a loan. What happened In May 2023, Mr M applied for a £60,000 loan through the Credit Union which was declined. The Credit Union w... (6 pages)View decision -
Decision Reference DRN-4349565
22 Nov 2023 1st Class Credit Union Limited Not upheldConsumer CreditDRN-4349565 The complaint Mr C complains that 1st Class Credit Union Limited was irresponsible to lend to him. What happened Mr C had one loan from 1st Class Credit Union in March 2021 as follows: Loan Date Amount Term Monthly Repayment Due 1 30 Mar 2021 £3,000 36m £100.15 14 Apr 2024 Mr C... (3 pages)View decision -
Decision Reference DRN1907664
28 Jun 2013 Leeds City Credit Union Limited Not upheldBanking and creditsummary of complaintMrs T complains about Leeds City Credit Union Limited’s handling of a debt management plan. She says the credit union should have checked whether she had payment protection insurance (PPI) on her accounts with other creditors and that, because it did not, she has ne... (2 pages)View decision -
Decision Reference DRN4723197
31 Oct 2013 Ballymoney Credit Union Limited Not upheldBanking and creditMr V is unhappy that Ballymoney Credit Union Limited has proposed a transfer of engagements with a third party credit union. Mr V feels he has not been provided with key information.backgroundBallymoney Credit Union is ceasing to trade and transferring its business to another credit ... (1 page)View decision -
Decision Reference DRN-4574581
8 Feb 2024 Glasgow Credit Union Ltd UpheldConsumer CreditDRN-4574581 The complaint Mr G says Glasgow Credit Union Ltd lent irresponsibly when providing him with a loan in 2019. What happened In January 2019, Glasgow Credit Union loaned Mr G £21,000 over an 84-month term. The purpose of the loan was to consolidate Mr G’s existing debts. The inter... (3 pages)View decision -
Decision Reference DRN6282403
17 Apr 2015 Cardiff and the Vale Credit Union Limited Not upheldBanking and creditMr L complains about a regular monthly savings account with Cardiff and the Vale Credit Union Limited. His £25 monthly saving was to be taken through payroll and paid to the credit union for him. Only one savings payment was made. He complains that he planned to us... (2 pages)View decision -
Decision Reference DRN-4649040
13 Mar 2024 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-4649040 The complaint Mr P says North Edinburgh and Castle Credit Union Limited, trading as Castle Community Bank, lent irresponsibly when providing him with a loan in 2021. What happened In November 2021, North Edinburgh and Castle Credit Union loaned Mr P £4,000 over a 48- month term... (2 pages)View decision -
Decision Reference DRN-2254065
20 Oct 2020 Armagh Credit Union Limited Not upheldBanking and PaymentsDRN-2254065 The complaint Miss D complains that Armagh Credit Union Limited has used her savings to repay her loans without telling her. What happened Miss D says Armagh Credit Union has used her savings to repay her loans without telling her which has caused her significant financial hard... (2 pages)View decision -
Decision Reference DRN-1835138
11 Nov 2020 Swan Credit Union Not upheldConsumer CreditDRN-1835138 The complaint Mr P’s compliant is that Swan Credit Union didn’t advance him the funds for loans he had thought had been approved. What happened Mr P applied for a £1,050 payroll loan and this was approved on 23 October 2019. Mr P then applied for four further loans – two on 27 ... (3 pages)View decision
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