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 748 results
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Decision Reference DRN-4661679
5 Mar 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4661679 The complaint Mr P says Brent Shrine Credit Union Limited, trading as My Community Bank, irresponsibly lent to him. What happened Mr P took out a 48-month loan for £20,000 on 5 July 2022. The monthly repayments were £552.97 and the total repayable was £26,939.91. Mr P says Bren... (3 pages)View decision -
Decision Reference DRN-5587171
9 Jul 2025 Hampshire Credit Union Limited Not upheldConsumer CreditDRN-5587171 The complaint Miss O complains Hampshire Credit Union Limited trading as Wessex Community Bank (WCB) treated her unfairly by reporting to credit reference agencies (CRAs) she’s in an arrangement to pay, despite her repayment plan coming to an end. What happened In early 202... (3 pages)View decision -
Decision Reference DRN-3591497
21 Oct 2022 London Mutual Credit Union Limited UpheldConsumer CreditDRN-3591497 The complaint Ms O complains that London Mutual Credit Union Limited (“LMCU”) irresponsibly granted her credit that she couldn’t afford to repay. What happened LMCU approved several loans, and payday loans, for Ms O between May 2013 and October 2014. I’ve summarised those loans... (3 pages)View decision -
Decision Reference DRN-4322858
26 Apr 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4322858 The complaint Mr T complains that Brent Shrine Credit Union Limited didn’t void a loan he says was fraudulently taken out in his name. What happened Both parties are aware of the circumstances surrounding the complaint, so I won’t repeat them again in detail here. In summary, M... (3 pages)View decision -
Decision Reference DRN0559941
19 Apr 2016 Grampian Credit Union Limited UpheldPayment protection insurance (PPI)Mrs W complains that Grampian Credit Union Limited (GCU) mis-sold her seven payment protection insurance (PPI) policies.backgroundMrs W took out five loans and two revolving credit facilities between 2007 and 2011. GCU sold Mrs W seven PPI policies alongside each of the ... (3 pages)View decision -
Decision Reference DRN-4802236
22 May 2024 North Edinburgh and Castle Credit Union Limited UpheldConsumer CreditDRN-4802236 The complaint Miss M says North Edinburgh and Castle Credit Union Limited, trading as Castle Community Bank (CCB), lent irresponsibly when providing her with a loan in 2023. What happened In June 2023, CCB loaned Miss M £5,000 over a 24-month term. The stated purpose of the loa... (3 pages)View decision -
Decision Reference DRN-5064644
5 Mar 2025 East Sussex Credit Union Limited UpheldConsumer CreditDRN-5064644 The complaint Mr C complains East Sussex Credit Union Limited trading as Wave Community Bank (WCB) should have defaulted his account when he fell into financial difficulties. He says their failure to do so resulted in him having to accept a more expensive mortgage deal when ... (4 pages)View decision -
Decision Reference DRN-5055045
10 Dec 2024 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-5055045 The complaint Mr B complains that Brent Shrine Credit Union Limited trading as My Community Bank (“My Community Bank”) is holding him liable for the debt on a loan which he says he neither applied for nor consented to. What happened The background to this complaint is well ... (2 pages)View decision -
Decision Reference DRN-4613090
27 Mar 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-4613090 The complaint Mr M complains that Brent Shrine Credit Union Limited trading as My Community Bank (MCB) lent irresponsibly when it approved a loan application he made. What happened In May 2023 Mr M applied for a £3,000 loan with MCB. In his application, Mr M said he was renting... (3 pages)View decision -
Decision Reference DRN-3404479
29 Mar 2022 London Community Credit Union Limited UpheldBanking and PaymentsDRN-3404479 The complaint Mr F complains that London Community Credit Union Limited (LCCU) has been fraudulently accessing his account and removing his funds. What happened I issued a provisional decision (PD) on this complaint on 10 March 2022 and both parties have been given an opportuni... (5 pages)View decision
