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-3020738
19 Dec 2021 Number One Police Credit Union Limited Not upheldConsumer CreditDRN-3020738 The complaint Mr G complains that Number One Police Credit Union Limited (T/A No 1 CopperPot Credit Union) declined his application for a short term loan because he now lives abroad. He’s unhappy that Number One Police Credit Union Limited (T/A No 1 CopperPot Credit Union) no l... (3 pages)View decision -
Decision Reference DRN-5314539
7 Feb 2025 North Edinburgh and Castle Credit Union Limited UpheldConsumer CreditDRN-5314539 The complaint Miss S says North Edinburgh and Castle Credit Union Limited, trading as Castle Community Bank (CCB), failed to carry proportionate affordability checks before it lent to her. What happened Miss S took out a personal loan through a credit immediately from CCB fo... (5 pages)View decision -
Decision Reference DRN-3438340
20 Apr 2022 London Community Credit Union Limited UpheldConsumer CreditDRN-3438340 The complaint Mr I complains London Community Credit Union Limited (LCCU) refused to accept his proposals to repay his loan after he experienced financial difficulties. What happened Mr I says he found himself in financial difficulties and in early November 2020 he wrote to all... (4 pages)View decision -
Decision Reference DRN-5385655
16 Jun 2025 Manchester Credit Union Limited Not upheldConsumer CreditDRN-5385655 Complaint Miss M has complained about a loan Manchester Credit Union Limited (“MCU”) provided to her. She says that being provided with this consolidation loan freed up other credit that became accessible to her. Background MCU provided Miss M with a loan for £13,938.46 in... (4 pages)View decision -
Decision Reference DRN-5382337
23 May 2025 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-5382337 The complaint Mrs R says Brent Shrine Credit Union Limited trading as My Community Bank (“MCB”) conducted inadequate affordability checks before it lent to her. What happened Mrs R took out a personal loan from MCB through a credit intermediary for £6,000 over 36 months in ... (5 pages)View decision -
Decision Reference DRN-4943858
1 Nov 2024 Wiltshire and Swindon Credit Union Limited Not upheldConsumer CreditDRN-4943858 The complaint Mr A brings this complaint on behalf of his grandmother Mrs M. The complaint is about the actions of Wiltshire and Swindon Credit Union Limited trading as Acorn Community Bank (“Acorn”) in offering loans to Mrs M. Mr A says that Mrs M has health concerns and a ... (3 pages)View decision -
Decision Reference DRN6621916
6 Dec 2013 M for Money Credit Union Limited UpheldBanking and creditMrs H has complained about her loan with M for Money Credit Union Limited. M for Money took payments at dates other than those agreed. Whilst the ombudsman service was considering her complaint, the credit union closed her loan, repaying the outstanding money from her share accounts hel... (2 pages)View decision -
Decision Reference DRN3656514
26 Jan 2017 Glasgow Credit Union Ltd UpheldPayment protection insurance (PPI)Mrs M complains that Glasgow Credit Union Ltd (GCU) mis-sold her a payment protection insurance (PPI) policy.backgroundMrs M took out a loan with GCU over the phone in 2004. At the same time, GCU sold her a regular premium PPI policy to protect her loan repayments if sh... (2 pages)View decision -
Decision Reference DRN1147852
12 Sep 2018 Metro Moneywise Credit Union Limited Not upheldPayment protection insurance (PPI)This complaint is about four regular premium payment protection insurance (PPI) policies taken out with four personal loans in 2003 and 2004. Miss T says that Metro Moneywise Credit Union Limited (“Metro Moneywise”), mis-sold her these policies.backgroundI recently issu... (3 pages)View decision -
Decision Reference DRN-3828647
29 Nov 2022 West Sussex and Surrey Credit Union Limited UpheldConsumer CreditDRN-3828647 The complaint Miss G complains that West Sussex and Surrey Credit Union Limited trading as Boom! Credit Union irresponsibly lent to her. What happened I issued a provisional decision on this complaint where I set out the background to this complaint. I explained why I was incl... (2 pages)View decision
