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-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 -
Decision Reference DRN-3977190
10 Mar 2023 Black Horse Limited Not upheldMortgagesDRN-3977190 The complaint Mrs M’s complaint is about a second charge loan she took out in 2007 with Black Horse Limited. She considers that Black Horse lent irresponsibly because it didn’t assess the affordability of the loan and her creditworthiness. Mrs M has said this increased the leve... (3 pages)View decision -
Decision Reference DRN5384592
8 Sep 2016 Glasgow Credit Union Ltd UpheldPayment protection insurance (PPI)Mr R complains that Glasgow Credit Union Ltd (GCU) mis-sold him payment protection insurance (PPI) when he took out two loans.backgroundMr R took out a loan with GCU in 2007. At the same time he also bought a regular premium PPI policy to protect his loan repaymen... (2 pages)View decision -
Decision Reference DRN7385174
8 Jan 2015 Scotwest Credit Union Limited Not upheldPayment protection insurance (PPI)Mrs W complains that Scotwest Credit Union Limited (“Scotwest”) mis-sold her a regular premium payment protection insurance (PPI) policy in 2006. Mrs W took out the PPI when she arranged a loan from Scotwest. backgroundThe background to this complaint, and my initial conclusions, are set... (2 pages)View decision -
Decision Reference DRN-4561844
22 Mar 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4561844 The complaint Mr L complains that Brent Shrine Credit Union Limited trading as My Community Bank was irresponsible in its lending to him. What happened Mr L was provided with a £15,000 loan by My Community Bank in July 2022. The loan was repayable over 36 months with monthly re... (3 pages)View decision -
Decision Reference DRN-5134082
20 Nov 2024 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-5134082 The complaint Ms F has complained that North Edinburgh and Castle Credit Union Limited (“Castle Credit”) acted irresponsibly when it approved her application for a loan in early 2023. Background Ms F applied for a £10,000 loan with Castle Credit in January 2023. She said the... (3 pages)View decision -
Decision Reference DRN-2339781
8 Dec 2020 Carcashpoint Limited Not upheldConsumer CreditDRN-2339781 The complaint Mr N complains that CarCashPoint Limited lent to him in an irresponsible manner. What happened Mr N was given a single loan by CarCashPoint. He borrowed £860 in September 2019 that he agreed to repay in 18 monthly instalments - £60 of that loan was used to pay the... (3 pages)View decision -
Decision Reference DRN5541128
24 Aug 2017 Leeds City Credit Union Limited UpheldPayment protection insurance (PPI)Ms F says Leeds City Credit Union Limited (LCCU) mis-sold her payment protection insurance (PPI).backgroundMs F took out a number of loans with LCCU. This complaint relates to: policy one – sold in 2003 with loan one ending ‘1006 policy two – sold in 2006 with loan... (2 pages)View decision -
Decision Reference DRN-3841593
3 Jan 2023 London Community Credit Union Limited UpheldBanking and PaymentsDRN-3841593 The complaint Mr K complains that a cheque paid into his account with London Community Credit Union Limited (LCC) went missing. What happened On 15 October 2021, Mr K paid in a cheque for £3,048.46 at a branch of LCC. It wasn’t credited to his account and he visited the branch ... (2 pages)View decision -
Decision Reference DRN7455447
26 Sep 2017 Glasgow Credit Union Ltd UpheldPayment protection insurance (PPI)Mr R says Glasgow Credit Union Ltd (GCU) mis-sold him payment protection insurance (PPI).backgroundGCU sold Mr R four PPI policies: policy one – sold with loan one (ending ‘015) in May 2005 policy two – sold with loan two (ending ‘444) in September 2005 policy thr... (3 pages)View decision
