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-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-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 -
Decision Reference DRN6065810
24 Nov 2016 Blues and Twos Credit Union Limited UpheldPayment protection insurance (PPI)Mr and Mrs C complain that Blues and Twos Credit Union Limited mis-sold Mrs C five payment protection insurance (PPI) policies.backgroundMr and Mrs C complained to us about PPI policies sold with five personal loans taken out between 2005 and 2012.Mrs C took out th... (3 pages)View decision -
Decision Reference DRN7640702
20 May 2014 London Mutual Credit Union Limited Not upheldPayment protection insurance (PPI)Miss D complains that London Mutual Credit Union Limited (LMCU) mis-sold her a payment protection insurance (PPI) policy to cover the monthly payments due under a secured loan in the event she suffered an accident, sickness or unemployment. Specifically, Miss D complains that she was led ... (3 pages)View decision -
Decision Reference DRN-4408580
7 Nov 2023 London Mutual Credit Union Limited Not upheldBanking and PaymentsDRN-4408580 The complaint Mrs S has complained London Mutual Credit Union Limited won’t refund money for cash machine withdrawals. What happened After getting back from holiday in January 2023, Mrs S complained to London Mutual that there were unauthorised cash machine withdrawals on her a... (3 pages)View decision -
Decision Reference DRN6625157
1 Dec 2014 Leeds City Credit Union Limited UpheldPayment protection insurance (PPI)Miss Q has complained that she was mis-sold three loan payment protection insurance (PPI) policies by Leeds City Credit Union Limited (“LCCU”).backgroundMiss Q bought the PPI policies when she took out loans in January 2006, July 2008 and September 2009. Miss Q said she couldn’t remem... (3 pages)View decision -
Decision Reference DRN-5601576
11 Jun 2025 Hull and East Yorkshire Credit Union Limited UpheldConsumer CreditDRN-5601576 Complaint Mrs C has complained about loans Hull and East Yorkshire Credit Union Limited (“HEY CU”) provided to her. She says that sufficient checks hadn’t been carried out before the loans were provided and if they had been it would have been clear that the loans were unaffo... (4 pages)View decision -
Decision Reference DRN7134769
1 Nov 2018 London Community Credit Union Limited UpheldBanking and creditMr M complains about London Community Credit Union Limited (“LCCU”), regarding charges applied to his loan account and difficulties he experienced in making payments on his loan. backgroundMr M has held a savings account with LCCU for some time, and in mid-2017 M... (3 pages)View decision -
Decision Reference DRN-4778786
24 Jun 2024 North Edinburgh and Castle Credit Union Limited UpheldConsumer CreditDRN-4778786 The complaint Mr S complains that North Edinburgh and Castle Credit Union Ltd (trading as Castle Community Bank) was irresponsible to lend to him. What happened Mr S was approved for the following loan from Castle Community Bank in April 2023: Loan Date Amount Term Repayment 1 ... (3 pages)View decision -
Decision Reference DRN-2876025
23 Jun 2021 Commsave Credit Union Limited UpheldConsumer CreditDRN-2876025 The complaint Mr P complains about loans provided to him by Commsave Credit Union Limited (“Commsave”) which he says was unaffordable. What happened The background of this complaint is well known to both parties and has been detailed by our investigator previously. So, I’ll sum... (4 pages)View decision
