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 DRN-5075432
11 Oct 2024 London Community Credit Union Limited UpheldBanking and PaymentsDRN-5075432 The complaint Mr B complains that London Community Credit Union Limited (LCCU) haven’t refunded the £2 payment fee they agreed to refund. What happened Mr B contacted LCCU and asked them to close his account. The relevant forms were sent to Mr B and he completed and returne... (2 pages)View decision -
Decision Reference DRN1403859
18 Feb 2020 Commsave Credit Union Limited UpheldBanking and creditMr F’s complaint against Commsave Credit Union Limited (Commsave) is that it continued to irresponsibly lend to him after he told it about his gambling addiction. backgroundMr M had a loan with Commsave. On 17 February 2015, he notified it that he had a gambling addiction; was in financial... (2 pages)View decision -
Decision Reference DRN-2347957
16 Nov 2020 London Community Credit Union Limited UpheldConsumer CreditDRN-2347957 The complaint Mr P complains that London Community Credit Union Limited (“LCCU”) irresponsibly sold him a loan when he was in financial difficulty. What happened In April 2019 Mr P applied for a loan with LCCU to the value of £13,000 with the purpose of settling existing credit... (5 pages)View decision -
Decision Reference DRN9013815
25 Jan 2016 Capital Credit Union Limited UpheldPayment protection insurance (PPI)Mr H complains that Capital Credit Union Limited (Capital) mis-sold him a payment protection policy (PPI). He says Capital added the policy without his knowledge and didn’t give him any information about it.backgroundIn 2006, Mr H took out a £5,000 loan over 4 years. Mr H... (3 pages)View decision -
Decision Reference DRN0540129
24 Jan 2018 PCS Credit Union Limited Not upheldBanking and creditMr B, represented by Mrs B, complains that PCS Credit Union Limited hasn’t calculated the interest on his loan correctly. He wants this checked so he can pay off the loan early.background Mr B took out a loan in 2015 for £5,350 payable over 60 months with an annual... (2 pages)View decision -
Decision Reference DRN-2917533
12 Oct 2021 London Community Credit Union Limited UpheldConsumer CreditDRN-2917533 The complaint Ms J complains that she was misled about a loan by London Community Credit Union Limited (LCCU). What happened Miss J applied for a loan of £3,520.15 payable over 251 weeks from LCCU at a rate of 19.6%APR. This was agreed in March 2019. Miss J complained that she ... (2 pages)View decision -
Decision Reference DRN5684206
25 Feb 2015 London Community Credit Union Limited UpheldBanking and creditMr R complains London Community Credit Union Limited didn’t cancel a standing order when he had asked it to do so.backgroundMr R had a standing order to pay an organisation I’ll call S. He had been referred to S by his doctor. In November 2012, his doctor referred him to a different organ... (2 pages)View decision -
Decision Reference DRN-4838757
16 Oct 2024 Hillingdon Credit Union Limited UpheldConsumer CreditDRN-4838757 The complaint Miss B, through her representative, complains that Hillingdon Credit Union Limited (“Hillingdon CU”) trading as London Community Bank lent to her when she could not afford it. She complains that she was given other loans which were added on to the loans she al... (7 pages)View decision -
Decision Reference DRN-5204598
11 Dec 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-5204598 The complaint Ms D complains Brent Shrine Credit Union Limited trading as My Community Bank (MCB) approved her with three unaffordable loans. Ms D has also complained about MCB’s support when she made it aware of financial difficulties. What happened Ms D was provided with t... (6 pages)View decision -
Decision Reference DRN-4778062
11 Sep 2024 North Edinburgh and Castle Credit Union Limited UpheldConsumer CreditDRN-4778062 The complaint Mr O has complained North Edinburgh and Castle Credit Union Limited, trading as Castle Community Bank is asking him to repay a personal loan he didn’t take out. What happened In September 2023, Mr O fell for a scam after being told his personal information had ... (3 pages)View decision
