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-4388699
13 Dec 2023 Penny Post Credit Union Limited Not upheldConsumer CreditDRN-4388699 The complaint Mr C says Penny Post Credit Union Limited irresponsibly lent to him. What happened Mr C took out a loan for £3,000 over 60 months from Penny Post on 29 March 2021. The monthly repayments were £83.37 and the total repayable was £5,012.78. Mr C says he was £20,000 i... (3 pages)View decision -
Decision Reference DRN-5116583
5 Dec 2024 North Edinburgh and Castle Credit Union Limited UpheldConsumer CreditDRN-5116583 The complaint Mr M complains that North Edinburgh and Castle Credit Union Limited (“Castle”) made an entry about him on the CIFAS database in connection with a loan. What happened In early 2024 Mr M got a loan with Castle. Around two weeks later Castle was notified that Mr M... (3 pages)View decision -
Decision Reference DRN0179401
18 Jan 2016 Leeds City Credit Union Limited UpheldPayment protection insurance (PPI)Ms L complained that Leeds City Credit Union Limited (“LCU”) mis-sold her payment protection insurance (“PPI”) alongside a loan.backgroundWhen our adjudicator considered the case, she reviewed the sales of PPI that took place alongside a number of loans that Ms L took... (3 pages)View decision -
Decision Reference DRN-3410332
27 Apr 2022 Commsave Credit Union Limited Not upheldConsumer CreditDRN-3410332 The complaint Mr Y complains that Commsave Credit Union Limited irresponsibly approved his loan application that was unaffordable and hasn’t supported him during financial difficulties. What happened Mr Y says he took out a Commsave loan for £1,500 followed by a further loan wi... (3 pages)View decision -
Decision Reference DRN-4210139
26 Jun 2023 Commsave Credit Union Limited Not upheldConsumer CreditDRN-4210139 The complaint Mr H complains that Commsave Credit Union Limited (“Commsave”) ought not to have lent to him as the lending was both unaffordable and irresponsible. What happened In August 2019 Mr H applied to Commsave for a loan. He borrowed £5,000 over a term of 156 weeks, the ... (7 pages)View decision -
Decision Reference DRN-4667187
21 May 2024 Commsave Credit Union Limited Not upheldConsumer CreditDRN-4667187 The complaint Mr W complains that Commsave Credit Union Limited lent to him irresponsibly. What happened A lending relationship existed between Mr W and Commsave over a period of time and Mr W’s complaint here focuses on his loans from August 2022 to May 2023. The relevant loan... (4 pages)View decision -
Decision Reference DRN-3643902
27 Sep 2022 BAG Credit Union Limited Not upheldBanking and PaymentsDRN-3643902 The complaint Miss R complains BAG Credit Union Limited (BAG) didn’t tell her their annual membership fee was increasing. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The facts aren’t in dispute, so I’ll focus on... (2 pages)View decision -
Decision Reference DRN1996402
19 Jul 2017 London Mutual Credit Union Limited UpheldBanking and creditMiss N complains that London Mutual Credit Union (Limited) (London Mutual) wrongly took four direct debits from her account. This affected her credit file. And meant she has incurred bank charges. She wants bank charges refunded, her credit file rectified and compensat... (2 pages)View decision -
Decision Reference DRN4350718
8 May 2014 Scotwest Credit Union Limited Not upheldPayment protection insurance (PPI)This complaint is about the sales of four payment protection insurance (“PPI”) policies, sold in connection with loans. It concerns a single premium PPI policy taken out in 2002 and three regular premium PPI policies taken out in 2004, 2007 and 2008.Ms A says that Scotwest Credit Union L... (4 pages)View decision -
Decision Reference DRN-4958477
21 Aug 2024 London Community Credit Union Limited UpheldConsumer CreditDRN-4958477 The complaint Ms K complains that London Community Credit Union Limited (“LCCU”) continued to pursue her for a debt which was included in her Debt Relief Order. What happened Ms K held a loan with LCCU. In May 2022 she applied for a Debt Relief Order (DRO). Her application w... (2 pages)View decision
