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-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 DRN6173938
14 Feb 2014 Glasgow Credit Union Ltd Not upheldPayment protection insurance (PPI)This complaint concerns a regular premium payment protection insurance (“PPI”) policy taken out in 2009 by Mr F in connection with a loan with Glasgow Credit Union Ltd (”GCUL”). Mr F believes that GCUL mis-sold the PPI to him.backgroundAn adjudicator with this service has investigated ... (3 pages)View decision -
Decision Reference DRN-5137026
14 Nov 2024 London Community Credit Union Limited UpheldBanking and PaymentsDRN-5137026 The complaint X complains about the fees that London Community Credit Union Limited (“LCCU”) charged her without providing her with all the relevant information. X is also unhappy about the service she received from LCCU in branch. What happened X visited a branch of LCCU on... (3 pages)View decision -
Decision Reference DRN-2878170
9 Sep 2021 Nationwide Building Society Not upheldBanking and PaymentsDRN-2878170 The complaint Mrs C complains that Nationwide Building Society didn’t inform her of the Financial Services Compensation Scheme (FSCS)’ temporary high balance cover. What happened In June 2020 more than £180,000 was deposited into Mrs C’s Nationwide current account after Mrs C s... (4 pages)View decision -
Decision Reference DRN5789390
12 Jan 2017 Blues and Twos Credit Union Limited UpheldPayment protection insurance (PPI)Mr C says Blues and Twos Credit Union Limited (B&T) mis-sold him a payment protection insurance (PPI) policy on three loans.backgroundMr C took out a number of loans with B&T. The first time he was sold PPI was on a loan he applied for in June 2005 – but... (3 pages)View decision -
Decision Reference DRN-4064100
1 Aug 2023 Brent Shrine Credit Union Limited Not upheldConsumer CreditDRN-4064100 The complaint Miss H complains that Brent Shrine Credit Union Limited, trading as My Community Bank, and who I’ll call “Brent Shine”, were wrong to report a missed payment to her credit file. What happened The details of this complaint are well known to both parties, so I won’t... (2 pages)View decision -
Decision Reference DRN4959898
11 Feb 2019 Voyager Alliance Credit Union Limited Not upheldPayment protection insurance (PPI)This complaint is about two monthly premium payment protection insurance (PPI) policies taken out alongside personal loans in July 2007 and July 2008. Mr K says Voyager Alliance Credit Union Limited (VACU) mis-sold him the PPI.backgroundI issued my provisional decision ... (3 pages)View decision -
Decision Reference DRN-5155815
13 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5155815 The complaint Ms C complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Ms C was approved for an Aqua credit card in April 2022 with a £1,200 credit limit. Ms C says this was irresponsibly lent to her. Ms C made a complaint to Aqua, who did not ... (3 pages)View decision -
Decision Reference DRN6551380
18 Oct 2018 Cambrian Credit Union Limited Not upheldBanking and creditMs C complains about the way Cambrian Credit Union Limited (“CCU”) dealt with a loan application.backgroundMs T complained to CCU following a visit to one of their offices to make a loan application. She was given incorrect information about the loan application and how... (2 pages)View decision -
Decision Reference DRN-5228064
25 Feb 2025 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-5228064 The complaint Miss G has complained Brent Shine Credit Union Limited, trading as My Community Bank, is asking her to repay a personal loan she didn’t take out. What happened In 2023, Miss G’s father fell for a scam. After seeing an advert on social media endorsed by a well-k... (3 pages)View decision
