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 DRN-2814200
12 May 2021 Blantyre Credit Union Limited UpheldConsumer CreditDRN-2814200 The complaint Mr R is unhappy that he wasn’t told that his savings would be held as security for his loan with Blantyre Credit Union Limited. Blantyre Credit Union Limited trade as Lanarkshire Credit Union. For ease, I’ve just referred to Blantyre. What happened On 4 June 2019... (3 pages)View decision -
Decision Reference DRN-1978613
6 Oct 2020 Plane Saver Credit Union Limited UpheldInsuranceDRN-1978613 The complaint This complaint is about the mis-sale of monthly premium payment protection insurance (“PPI”) by Plane Saver Credit Union Limited (“PSCU”) to Ms A from 2002 to 2011 in respect of 11 loans. What happened Ms A applied for 11 loans with PPI from 2002 to 2011. She said... (3 pages)View decision -
Decision Reference DRN6668296
21 Mar 2019 London Mutual Credit Union Limited UpheldBanking and creditMr N complains about what happened when he asked London Mutual Credit Union Limited (“LMCU”) to transfer some money from his account.background Mr N said that his LMCU account had ended up overdrawn, because a while ago LMCU had transferred some money by mistake to an ... (3 pages)View decision -
Decision Reference DRN-3642276
20 Oct 2022 Medway Credit Union Limited UpheldConsumer CreditDRN-3642276 The complaint Mrs W complains that Medway Credit Union misled her about the interest that would be applied to her loan and then after the loan term had ended, they withdrew funds from her savings without her consent to pay off the outstanding balance of the loan which she hadn’... (3 pages)View decision -
Decision Reference DRN-4901172
15 Jul 2024 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-4901172 The complaint Mr H says North Edinburgh and Castle Credit Union Limited, trading as Castle Community Bank (CCB), irresponsibly lent to him. What happened Mr H took out a loan for £5,000 over 60 months in January 2023. The monthly repayments were £165.35 and the total repayab... (4 pages)View decision -
Decision Reference DRN-3139622
19 Aug 2022 London Mutual Credit Union Limited Not upheldInvestmentsDRN-3139622 The complaint Mr T complains that London Mutual Credit Union Limited (‘LCMU’) didn’t tell him the family protection plan they offered to their members had reviewable premiums. What happened Mr T purchased a family protection plan in 2007, after receiving a newsletter from LCMU.... (3 pages)View decision -
Decision Reference DRN-3874882
6 Feb 2023 Commsave Credit Union Limited UpheldConsumer CreditDRN-3874882 The complaint Mr W complains that Commsave Credit Union (“Commsave”) lent to him irresponsibly. What happened Mr W took out a series of loans with Commsave from January 2015 to October 2021. Some of these were regular unsecured loans, others were revolving credit arrangements w... (4 pages)View decision -
Decision Reference DRN5981576
11 Jun 2013 Plane Saver Credit Union Limited Not upheldPayment protection insurance (PPI)summary of complaintThis complaint concerns six monthly premium payment protection insurance (“PPI”) policies, taken out by Mr A following telephone calls to Plane Saver Credit Union Limited, a not for profit credit union. Our adjudicator upheld Mr A’s complaint and considered that Mr ... (1 page)View decision -
Decision Reference DRN9507554
7 Aug 2014 Lodge Lane and District (Liverpool) Credit Union Limited UpheldBanking and creditComplaintMiss A complains that Lodge Lane and District (Liverpool) Credit Union Limited (LLCU) have not responded positively or sympathetically to her financial difficulties. Miss A is represented by C, an advice centre. background C complained on Miss A’s behalf about a loan taken wit... (2 pages)View decision -
Decision Reference DRN-3392379
24 Mar 2022 Kent Savers Credit Union Limited UpheldConsumer CreditDRN-3392379 The complaint Mr H complains that Kent Savers Credit Union Limited (Kent) have unfairly registered a default against him. What happened Mr H had a loan with Kent, but he suffered financial difficulties, which resulted in him being unable to meet his contractual monthly payments... (5 pages)View decision
