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 743 results
-
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 -
Decision Reference DRN-3294712
9 Feb 2022 London Community Credit Union Limited UpheldConsumer CreditDRN-3294712 The complaint Miss L complains that London Community Credit Union Limited (LCCU) is incorrectly claiming that that there is a balance outstanding on a loan she took out. What happened In 2018, Miss L took out a loan with LCCU. The agreement said she would need to make 28 paymen... (2 pages)View decision -
Decision Reference DRN5473124
26 Nov 2013 Allerdale Credit Union Limited Not upheldBanking and creditMr B complains that Allerdale Credit Union Limited changed its lending criteria. He is also unhappy with the way Allerdale Credit Union communicates with him.backgroundMr B has existing loans with Allerdale. When he enquired about a new loan, he was told that Allerdale required three m... (1 page)View decision -
Decision Reference DRN-3213827
2 Aug 2022 Number One Police Credit Union Limited UpheldConsumer CreditDRN-3213827 The complaint Mr A is unhappy that Number One Police Credit Union Limited (trading as No 1 CopperPot Credit Union) provided him with loans that were unaffordable. What happened Mr A took out a number of loans with CopperPot Credit Union (CPCU), on the following basis: Loan numb... (8 pages)View decision -
Decision Reference DRN7363672
22 Mar 2016 London Community Credit Union Limited UpheldBanking and creditMs D complains that London Community Credit Union Limited incorrectly registered information on her credit file, misled her about it and gave poor customer service.backgroundMs D applied for a loan a number of times in 2015 and each time she was refused. So she obt... (2 pages)View decision -
Decision Reference DRN0541535
25 Sep 2014 Voyager Alliance Credit Union Limited Not upheldPayment protection insurance (PPI)This complaint concerns the sale of a two regular premium payment protection insurance (PPI) policys. Mr K purchased the insurance in connection with loans in 2007 and 2009. Mr K said that he was mis-sold the policies by Voyager Alliance Credit Union Limited (Voyager)backgroundI issued ... (3 pages)View decision -
Decision Reference DRN7703657
5 Feb 2019 Number One Police Credit Union Limited Not upheldPayment protection insurance (PPI)This complaint is about monthly premium payment protection insurance (PPI) policies taken out with personal loans between 2003 and 2008. Miss B says Number One Police Credit Union Limited, trading as Number One Copper Pot Credit Union (NOCPU) mis- sold her the PPI.backgr... (4 pages)View decision -
Decision Reference DRN-5045438
3 Oct 2024 North Edinburgh and Castle Credit Union Limited Not upheldConsumer CreditDRN-5045438 The complaint Mr C says North Edinburgh and Castle Credit Union Limited, trading as Castle Community Bank (“CCB”), failed to carry proportionate affordability checks before it lent to him. Mr C has also said, the cycle of debt he has found himself in has impacted his mental... (6 pages)View decision -
Decision Reference DRN-4038610
31 Mar 2023 Police Credit Union Limited UpheldBanking and PaymentsDRN-4038610 The complaint C complains that Police Credit Union Limited trading as Serve and Protect Credit Union would not change his title on their system or reference his new title when communicating with him. What happened C wanted to change his title, so he arranged a legal process to ... (3 pages)View decision -
Decision Reference DRN3889920
9 Nov 2016 Voyager Alliance Credit Union Limited UpheldBanking and creditMr M complains that Voyager Alliance Credit Union Limited (“Voyager”) incorrectly applied a default on his credit file in 2014.backgroundMr M had a loan that was defaulted in 2007. He says the default should’ve been removed from his credit file now. So he wants it re... (2 pages)View decision
