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-5499886
6 May 2025 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-5499886 Complaint Mr M has complained about a loan North Edinburgh and Castle Credit Union Limited trading as Castle Community Bank (“CCB”) provided to him. He says that he had historic issues with debt and sufficient checks would have shown that he wouldn’t be able to make the mont... (3 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 -
Decision Reference DRN-3276900
7 Jul 2022 London Community Credit Union Limited UpheldBanking and PaymentsDRN-3276900 The complaint Mr M complains that London Community Credit Union Limited (LCCU) produced two conflicting statements showing different balances in his account. He said that LCCU had failed to help him. Mr M said that he receives benefits and this problem has made it difficult for... (2 pages)View decision -
Decision Reference DRN5870431
15 Aug 2017 Commsave Credit Union Limited UpheldBanking and creditMiss B is unhappy how Commsave Credit Union Limited has responded to her financial difficulties.backgroundMiss B took out a loan in 2012. But she’s struggled to make the repayments and has taken out other loans. She’s now finding it difficult to pay her bills and su... (2 pages)View decision -
Decision Reference DRN3531398
23 Sep 2019 Penny Post Credit Union Limited Not upheldBanking and creditMr W says Penny Post Credit Union Limited lent him money it should have known he couldn’t afford to pay back. backgroundIn November 2015 Mr W took out a loan with Penny Post for £2,000 which he said was for Christmas and other living expenses. This was to be repaid over a period of three ... (2 pages)View decision -
Decision Reference DRN-1486045
11 Jun 2020 Pollok Credit Union Limited Not upheldBanking and PaymentsThe complaint Mr F complains that Pollok Credit Union Limited took an annual charge from his account that he didn't agree to and didn't pay him interest on his account. What happened Mr F says he noticed that deductions had been made from his Pollok account over the last fe... (2 pages)View decision -
Decision Reference DRN-4052977
8 Aug 2023 London Community Credit Union Limited UpheldConsumer CreditDRN-4052977 The complaint Miss L complains that London Community Credit Union Limited took £239 from her savings account for loan repayments. She wants this sum refunded. What happened In May 2018 Miss L took out a loan for £1500 with LCCU. Her first direct debit payment was due on 1 June ... (2 pages)View decision -
Decision Reference DRN0340028
26 Feb 2019 Cookstown Credit Union Limited Not upheldBanking and creditMr C complains about the service he received from the Cookstown Credit Union Limited (CCU) when he attended a branch office to make a payment towards his account. He said the branch manager shouted at him and discussed his financial circumstances publicly which made him... (2 pages)View decision -
Decision Reference DRN-5251572
23 Jan 2025 Pennyburn Credit Union Limited Not upheldConsumer CreditDRN-5251572 The complaint Mr S complains that Pennyburn Credit Union Limited (PCUL) didn’t tell him it would carry out a credit search when he applied for a loan. Mr S also complains that PCUL required him to submit a GDPR request in writing rather than accepting it verbally. What happ... (3 pages)View decision -
Decision Reference DRN-4885567
13 Aug 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4885567 Complaint Miss C has complained about loans Brent Shrine Credit Union Limited (trading as My Community Bank (“MCB”)) provided to her. She says the loans were unaffordable and shouldn’t have been provided to her. Background MCB provided Miss C with a total of two loans. Loa... (5 pages)View decision
