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Sophie N

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Review of the London Capital Credit Union, Loans:

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Extremely Disappointing Experience

Extremely Disappointing Experience – Felt Ignored and Dismissed I’m genuinely shocked and disappointed by my experience with London Capital Credit Union. I submitted a thorough loan application, including full documentation proving my affordability – permanent full-time employment at £45k per year, regular savings, and a profitable business. Despite this, I was declined without any clear explanation or meaningful engagement with the documents I provided. Every follow-up was met with vague, copy-pasted responses that showed little care or attention to my actual situation. Even after escalating, I was told my application didn’t evidence affordability – despite showing I could comfortably meet repayments within my salary alone. This process has been confusing, frustrating, and frankly quite distressing. As a member who has been saving with them, I expected a supportive and human approach – not cold bureaucracy. I no longer feel that this credit union operates in the spirit of supporting its members or providing fair access to financial products. Would not recommend based on my experience – especially to anyone hoping for a thoughtful or responsive service. Reviewed on: 23rd May 2025

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