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-4470527
28 Nov 2023 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4470527 The complaint Miss H complains that the loan she had from Brent Shrine Credit Union Limited (trading as My Community Bank) was unaffordable to her. What happened Miss H had one loan from My Community Bank in October 2020 as follows: Loan Date Amount Term Repayment Due 1 25 Oct ... (3 pages)View decision -
Decision Reference DRN-4314073
22 Aug 2023 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4314073 The complaint Miss D has complained that Brent Shrine Credit Union Limited (trading as My Community Bank) are holding her liable for a debt which she says was taken out by ID theft. What happened Both sides are most familiar with the case, so I’ll summarise what happened in bri... (4 pages)View decision -
Decision Reference DRN-4526717
21 Dec 2023 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4526717 The complaint Mr J is unhappy with My Community Bank (‘MyCB’), who is a trading name of Brent Shrine Credit Union Limited. Although Brent Shrine Credit Union Limited is responsible for the actions of My Community Bank, for ease, I have referred to MyCB throughout this decision.... (8 pages)View decision -
Decision Reference DRN8098715
2 Jul 2014 Capital Credit Union Limited Not upheldPayment protection insurance (PPI)Mr A complains that Capital Credit Union Limited (“CCU”) mis-sold him three regular premium payment protection insurance (“PPI”) policies, alongside personal loans obtained in August 2007, October 2007 and February 2008.background to complaintMr A was sold PPI along with a personal l... (3 pages)View decision -
Decision Reference DRN-1862646
27 May 2020 Commsave Credit Union Limited Not upheldConsumer CreditDRN-1862646 The complaintMr F believes Commsave Credit Union Limited acted irresponsibly by agreeing loans he’d applied for. What happenedI issued my provisional decision on this complaint on 19 May 2020, a copy of which is below and forms part of this decision. copy of provisional decisio... (6 pages)View decision -
Decision Reference DRN0194562
10 Oct 2017 6 Towns Credit Union Limited Not upheldBanking and creditMr K feels that 6 Towns Credit Union Limited (“STCU”) has treated him unfairly about some transactions that Mr K does not believe he should be responsible for.backgroundMr K is disputing certain transactions made on his account in January 2017 which total thousands ... (2 pages)View decision -
Decision Reference DRN-4778077
2 May 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4778077 The complaint Ms H complains that Brent Shrine Credit Union Limited trading as My Community Bank (“My Community Bank”) is holding her liable for the debt on a loan which she says she neither applied for nor consented to. What happened The background to this complaint is well kn... (5 pages)View decision -
Decision Reference DRN-4565026
18 Jan 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4565026 The complaint Mr P complains that Brent Shrine Credit Union Limited trading as My Community Bank (“BSCU”) irresponsibly gave him a fixed sum loan agreement he couldn’t afford to repay. What happened In November 2022, Mr P applied for a personal loan with BSCU. The credit agreem... (5 pages)View decision -
Decision Reference DRN0959292
12 Aug 2014 Hull and East Yorkshire Credit Union Limited Not upheldPayment protection insurance (PPI)Mr B took out two personal loans with Hull and East Yorkshire Credit Union Limited (Hull & East), one in August 2008 and the second in April 2011. Alongside each loan, Mr B purchased a payment protection insurance (PPI) policy. Both policies were payable by regular premiums. In e... (4 pages)View decision -
Decision Reference DRN-3259026
9 Aug 2022 Derry Credit Union Limited Not upheldConsumer CreditDRN-3259026 The complaint Mr H complains that Derry Credit Union (‘DCU’) used shares that were transferred to him following the death of a family member to repay an outstanding loan balance. What happened Mr H’s family member had an account with DCU. The family member had nominated Mr H to... (3 pages)View decision
