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 740 results
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Decision Reference DRN9010167
30 Mar 2019 1st Class Credit Union Limited Not upheldPayment protection insurance (PPI)This complaint is about a loan payment protection insurance (‘PPI’) policy taken out in 2007. Mrs C says 1st Class Credit Union Limited mis-sold her the PPI.my findingsI’ve considered all the available evidence and arguments to decide what is fair and reasonable in th... (2 pages)View decision -
Decision Reference DRN6151731
9 Jan 2019 Capital Credit Union Limited Not upheldPayment protection insurance (PPI)This complaint is about a loan payment protection insurance (‘PPI’) policy taken out in 2007. Mrs S says Capital Credit Union Limited mis-sold her the PPI.my findingsI’ve considered all the available evidence and arguments to decide what is fair and reasonable in the ... (2 pages)View decision -
Decision Reference DRN2357708
7 Jan 2019 Glasgow Credit Union Ltd Not upheldPayment protection insurance (PPI)This complaint is about loan payment protection insurance (‘PPI’) policies taken out with a number of different loans between 2006 and 2009. Mr K says Glasgow Credit Union Ltd mis-sold him the PPI. my findingsI’ve considered all the available evidence and arguments to ... (3 pages)View decision -
Decision Reference DRN5683339
18 Dec 2020 London Mutual Credit Union Limited Not upheldBanking and creditComplaint Mr S has complained that London Mutual Credit Union Limited (LMCU) did not carry out proper affordability checks before providing him with loans. Mr S says that, had further checks been carried out by LMCU, it would’ve seen that he was borrowing from a number of different pay day... (11 pages)View decision -
Decision Reference DRN3053680
30 Nov 2015 Northamptonshire Credit Union Limited. Not upheldBanking and creditMs J complains that Northamptonshire Credit Union Limited wrongly refused to give her a loan. She also complains about changes made to its business policies and practices and the service she received following her complaint.backgroundIn August 2015, Ms J applied for a... (2 pages)View decision -
Decision Reference DRN7341851
3 May 2016 Glasgow Credit Union Ltd UpheldPayment protection insurance (PPI)Mrs L complains that Glasgow Credit Union Ltd (GCU) mis-sold her a payment protection insurance (PPI) policy when she took out a loan.backgroundMrs L took out a loan by phone in 2003. At the same time she also bought a regular premium PPI policy to protect her loa... (2 pages)View decision -
Decision Reference DRN1569770
30 Apr 2014 Glasgow Credit Union Ltd Not upheldPayment protection insurance (PPI)Mr A has complained that Glasgow Credit Union Ltd mis-sold him two payment protection insurance (“PPI”) policies taken out in connection with two loans.backgroundI set out the background to this complaint and my initial conclusions in my provisional decision of March 2014. In summary... (3 pages)View decision -
Decision Reference DRN4978342
30 Mar 2019 1st Class Credit Union Limited Not upheldPayment protection insurance (PPI)This complaint is about a loan payment protection insurance (‘PPI’) policy taken out in 2009. Mr C says 1st Class Credit Union Limited mis-sold him the PPI.my findingsI’ve considered all the available evidence and arguments to decide what is fair and reasonable in the... (2 pages)View decision -
Decision Reference DRN0221351
7 Jan 2019 Glasgow Credit Union Ltd Not upheldPayment protection insurance (PPI)This complaint is about a loan payment protection insurance (‘PPI’) policy. Ms S says that Glasgow Credit Union Ltd mis-sold her the PPI. my findingsI’ve considered all the available evidence and arguments to decide what is fair and reasonable in the circumstances of ... (3 pages)View decision -
Decision Reference DRN-3713751
19 Oct 2022 East Kilbride Credit Union Limited Not upheldConsumer CreditDRN-3713751 The complaint Mrs R complains that East Kilbride Credit Union Limited was irresponsible in its lending to her. What happened Mrs R was provided with a £4,600 loan by East Kilbride Credit Union in November 2018. She was required to make 53 fortnightly repayments of £100 followed... (2 pages)View decision
