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-5115427
19 Nov 2024 Brent Shrine Credit Union Limited UpheldConsumer CreditDRN-5115427 The complaint Miss G complains that Brent Shrine Credit Union Limited trading as My Community Bank (MCB) sent her a text message advising her that her account was in arrears when it wasn’t. What happened On 4 January 2024 Miss G’s direct debit to MCB failed. On 5 January 202... (2 pages)View decision -
Decision Reference DRN0407708
13 May 2014 Scotwest Credit Union Limited Not upheldPayment protection insurance (PPI)This complaint concerns the purchase of two regular-premium payment protection insurance policies, taken out in 2005 and 2006. The first was in connection with a secured loan (called Homesecure) of £11,500. The second was in respect of a personal loan of £250. Mrs W says that Scotwest ... (3 pages)View decision -
Decision Reference DRN7355943
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 2006. At the same time, GCU also sold her a regular premium PPI policy to protect her loan repayments ... (2 pages)View decision -
Decision Reference DRN6947885
13 Jun 2019 Waterside Credit Union Limited Not upheldBanking and creditMs A complains that Waterside Credit Union Limited failed to provide her father with receipts when loan repayments were made; failed to give her a copy of her statement of account when asked; and insisted that payments went to interest before reducing the loan balanc... (2 pages)View decision -
Decision Reference DRN-4491126
27 Mar 2024 London Community Credit Union Limited UpheldBanking and PaymentsDRN-4491126 The complaint Miss G complains London Community Credit Union won’t refund transactions on her account which she says didn’t authorise. What happened In early September 2022 Miss G said she used her card at a cash machine, and it wasn’t returned to her. After this she noted frau... (3 pages)View decision -
Decision Reference DRN6925180
21 May 2013 Citysave Credit Union Limited Not upheldPayment protection insurance (PPI)summary of complaintThis complaint concerns a series of monthly premium payment protection insurance (“PPI”) policies. The policies were sold in conjunction with a number of loans that Miss W entered into in between 2003 and 2009. Miss W says that Citysave Credit Union Limited mis- sol... (2 pages)View decision -
Decision Reference DRN-4002620
17 Aug 2023 West Sussex and Surrey Credit Union Limited Not upheldConsumer CreditDRN-4002620 The complaint Mr T complains that West Sussex and Surrey Credit Union Limited trading as Boom! Credit Union (“BCU”) irresponsibly gave him a loan he couldn’t afford to repay. What happened In May 2018, Mr T applied for a loan of £4,500 with BCU for the purpose of consolidating ... (3 pages)View decision -
Decision Reference DRN2980484
22 Oct 2014 Glasgow Credit Union Ltd Not upheldPayment protection insurance (PPI)Mr J has complained that Glasgow Credit Union Ltd (Glasgow Credit) mis-sold his payment protection insurance (PPI) policies.backgroundMr J took out two loans with Glasgow Credit, one in 2007 and one in 2009. The first loan was for £4,000 and was taken out over 36 months. The insurance c... (2 pages)View decision -
Decision Reference DRN7879591
15 Nov 2019 Avantcredit Of Uk, Llc Not upheldBanking and creditMr L complains that AvantCredit of UK, LLC gave him a loan he couldn’t afford.backgroundIn 2016 Mr L got a fixed sum loan for £3,000 with AvantCredit. It was repayable over 35 months. Mr L’s monthly repayments were £133.52.Mr L says he couldn’t afford the loan, so AvantCredit shouldn’t hav... (2 pages)View decision -
Decision Reference DRN-4089643
31 Jul 2023 Blantyre Credit Union Limited Not upheldConsumer CreditDRN-4089643 The complaint Mrs N complains that Blantyre Credit Union Limited trading as Thistle Credit Union asked for unnecessary information to evidence the source of the funds she used to pay off her loan. What happened Mrs N had a loan with Thistle and attempted to pay the remaining ba... (3 pages)View decision
