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 743 results
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Decision Reference DRN3889920
9 Nov 2016 Voyager Alliance Credit Union Limited UpheldBanking and creditMr M complains that Voyager Alliance Credit Union Limited (“Voyager”) incorrectly applied a default on his credit file in 2014.backgroundMr M had a loan that was defaulted in 2007. He says the default should’ve been removed from his credit file now. So he wants it re... (2 pages)View decision -
Decision Reference DRN5923021
31 Dec 2015 Glasgow Credit Union Ltd UpheldPayment protection insurance (PPI)Miss E has complained about the sale to her in 2009 by Glasgow Credit Union Ltd (GCU) of a monthly-premium, payment protection insurance policy. The policy was sold to protect loan repayments if Miss E was unable to work because of accident or sickness. backgroun... (2 pages)View decision -
Decision Reference DRN-2475335
5 Jan 2021 London Community Credit Union Limited UpheldBanking and PaymentsDRN-2475335 The complaint Mr H complains London Community Credit Union Limited (LCCU) debited money from his credit account they said had been credited to him by mistake. What happened Around May 2020 Mr H was told his account was overdrawn by over £500. LCCU said his balance had been redu... (2 pages)View decision -
Decision Reference DRN5383824
6 Jul 2015 Manchester Credit Union Limited Not upheldBanking and creditMrs A feels that Manchester Credit Union Limited (MCU) has treated her unfairly in relation to the interest payable on a loan.backgroundMrs A is unhappy because she has been charged more interest on a loan than she thought. She accepts she’s missed loan repayments ... (2 pages)View decision -
Decision Reference DRN-3616128
7 Jan 2023 Partners Credit Union Limited UpheldConsumer CreditDRN-3616128 The complaint Ms T complains that when she transferred £1000 from her account with Partners Credit Union Limited (PCU), a sum of £2000 was debited from her account. What happened Ms T held an account with PCU. In September 2021 she requested a transfer of £1000 to her current a... (2 pages)View decision -
Decision Reference DRN-4586350
14 Mar 2024 London Community Credit Union Limited UpheldBanking and PaymentsDRN-4586350 The complaint Miss J complains that London Community Credit Union Limited (LCCU) failed to cancel her card on two occasions, resulting in fraudulent payments being taken from her account. What happened In May 2023, Miss J attended an LCCU branch to cancel a lost card. But the n... (2 pages)View decision -
Decision Reference DRN2914371
18 Apr 2019 Number One Police Credit Union Limited Not upheldPayment protection insurance (PPI)This complaint is about monthly premium payment protection insurance (PPI) policy taken out with a loan in 2009. Mr C says Number One Police Credit Union Limited, trading asNumber One Copper Pot Credit Union (NOCPU) mis-sold him the PPI.backgroundI issued my provisional ... (3 pages)View decision -
Decision Reference DRN-3214218
8 Mar 2022 London Community Credit Union Limited UpheldBanking and PaymentsDRN-3214218 The complaint Mr M complains about how London Community Credit Union Limited (LCCU) dealt with a transfer of funds into his account from overseas. What happened Mr M holds an account with LCCU. On 15 June 2020 Mr M’s relative transferred £165 from an overseas account to Mr M’s ... (3 pages)View decision -
Decision Reference DRN9898862
3 Sep 2018 East London Credit Union UpheldBanking and creditMrs S complains about the information East London Credit Union (ELCU) has put on her credit file. She says it wrongly recorded her loan as ‘delinquent’, and it failed to fix its mistake after telling her it would do so.backgroundI issued a provisional decision on this co... (4 pages)View decision -
Decision Reference DRN4520350
16 Oct 2018 NHS (Scotland and North England) Credit Union Limited UpheldPayment protection insurance (PPI)Mr N says NHS (Scotland and North England) Credit Union Limited (NHSCUL), trading as NHS Credit Union mis-sold him a payment protection insurance (PPI) policy. backgroundThe background to this complaint, and my provisional findings, can be found in my provisional decision... (4 pages)View decision
