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 DRN5093958
7 Mar 2019 Glasgow Credit Union Ltd Not upheldPayment protection insurance (PPI)Mr H says that Glasgow Credit Union Ltd mis-sold him a payment protection insurance (‘PPI’) policy.backgroundI issued my provisional decision in January 2019, a copy of which is attached and formspart of this final decision. In my provisional decision I explained why I... (3 pages)View decision -
Decision Reference DRN5237935
12 Nov 2014 Leeds City Credit Union Limited Not upheldBanking and creditMrs E complains that Leeds City Credit Union Limited changed the interest rates on her loan to coincide with her monthly payments. Further it allocated payments to itself on a preferential basis.our initial conclusionsThe adjudicator did not recommend that the complaint should be... (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 DRN3130008
5 Jun 2014 Waterside Credit Union Limited Not upheldBanking and creditMrs L has complained that Waterside Credit Union Limited (the credit union) failed to adequately explain the implications for her before she agreed to act as guarantor of a loan which the credit union granted to her adult child. backgroundMrs L is elderly and she says she is in poor he... (2 pages)View decision -
Decision Reference DRN1105375
7 Jun 2016 London Community Credit Union Limited Not upheldBanking and creditMs L complains that London Community Credit Union Limited charged her a £10 fee because she hadn’t used her account for some time. It gave her a poor service when she complained.backgroundIn 2005 Ms L deposited £30 with the predecessor of London Community Credit Unio... (2 pages)View decision -
Decision Reference DRN1813932
18 May 2017 East London Credit Union Not upheldBanking and creditMrs M has complained about problems experienced with her account managed by East London Credit Union (the “credit union”).The complaint has been brought to us on behalf of Mrs M by her daughter, Miss O.background Miss O has complained about the delay in Mrs M ... (2 pages)View decision -
Decision Reference DRN-3252972
8 Feb 2022 Leeds City Credit Union Limited UpheldConsumer CreditDRN-3252972 The complaint Ms B complains Leeds City Credit Union Limited wouldn’t grant her a loan because she’s unable to set up a direct debit or standing order to make the loan repayments. What happened Ms B tried a number of times to apply for a loan with Leeds Credit Union. These appl... (2 pages)View decision -
Decision Reference DRN-4745322
19 Jun 2024 Blantyre Credit Union Limited UpheldConsumer CreditDRN-4745322 The complaint Mrs L complains that Blantyre Credit Union Limited, trading as Thistle Credit Union, re- reported a debt to the credit reference agencies when it had previously been written off. What happened Mrs L’s debt with Thistle Credit Union was written off in 2010. But whe... (2 pages)View decision -
Decision Reference DRN1236483
4 Jan 2019 Glasgow Credit Union Ltd UpheldPayment protection insurance (PPI)Mr M says Glasgow Credit Union Ltd mis-sold him payment protection insurance (‘PPI’) policies with a number of different loans. The level of cover varied from accident and sickness only, to accident, sickness and unemployment across the different policies. backgroundMr M ... (4 pages)View decision -
Decision Reference DRN0878106
4 Jan 2019 Glasgow Credit Union Ltd Not upheldPayment protection insurance (PPI)This complaint is about a loan payment protection insurance (‘PPI’) policy taken out in 2008. Mr S says Glasgow Credit Union Ltd mis-sold him the PPI. my findingsI’ve considered all the available evidence and arguments to decide what is fair and reasonable in the circ... (2 pages)View decision
