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 809 results
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Decision Reference DRN-2089032
24 Sep 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2089032The complaintMr L says Provident Personal Credit Limited (trading as Satsuma) lent to him irresponsibly. Mr L is also unhappy in the manner that Satsuma dealt with his complaint. What happenedOur adjudicator thought the complaint should be partially upheld. Satsuma agreed with t... (6 pages)View decision -
Decision Reference DRN-2137513
23 Sep 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2137513The complaintMrs C has complained that Provident Personal Credit Limited, trading as Satsuma Loans (“Satsuma”), didn’t treat her fairly. Mrs C said Satsuma had not acted within the regulator’s guidelines. It should have sent her letters updating her of her account arrears and it... (2 pages)View decision -
Decision Reference DRN-2196597
23 Sep 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2196597The complaintMiss B complains Provident Personal Credit Limited (trading as Provident) lent to herirresponsibly.What happenedOur adjudicator thought the complaint should be upheld in part. Miss B disagreed with the adjudicator’s opinion. The complaint was then passed to me. I is... (5 pages)View decision -
Decision Reference DRN-1884690
22 Sep 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-1884690The complaintMiss W says Provident Personal Credit Limited trading as ‘Satsuma’ irresponsibly lent to her.What happenedThis complaint is about nine loans Satsuma provided to Miss W between May 2015 and January 2019. Miss W’s borrowing history is set out in the table below as fol... (4 pages)View decision -
Decision Reference DRN-2169784
22 Sep 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2169784The complaintMr D says Provident Personal Credit Limited - trading as Satsuma - irresponsibly lent to him.What happenedThis complaint is about five instalment loans Satsuma provided to Mr D between July 2018 and January 2019. A summary of Mr D’s borrowing history is as follows: ... (3 pages)View decision -
Decision Reference DRN1577292
21 Sep 2020 Provident Personal Credit Limited UpheldBanking and creditMr O complains that an early settlement figure he was given by Provident Personal Credit Limited’s representative on the telephone in August 2018 is binding but Provident says that it is not. backgroundI issued a Provisional Decision with detailed findings and it is attached and forms par... (5 pages)View decision -
Decision Reference DRN-2140877
18 Sep 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2140877The complaintMrs H says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), irresponsibly lent to her. Mrs H says she had a poor credit history which cannot have been checked. She was in a desperate situation and the high interest loan didn’t help her financial si... (3 pages)View decision -
Decision Reference DRN-2169855
17 Sep 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2169855The complaintMiss B says Provident Personal Credit Limited – trading as Satsuma – irresponsibly lent to her. What happenedThis complaint is about one instalment loan Satsuma provided to Miss B in October 2018. The loan was for £900 and was repaid over 12 monthly instalments of a... (2 pages)View decision -
Decision Reference DRN-2043556
16 Sep 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2043556The complaintMiss G complains that Provident Personal Credit Limited trading at the time as ‘Satsuma’ allowed her to continue to make repayments on her loan, despite it having sold the debt on to a third party. She is unhappy that a default was added to her account on 16 Septemb... (3 pages)View decision -
Decision Reference DRN-2175484
14 Sep 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2175484The complaintMiss S says Provident Personal Credit Limited trading as Satsuma lent to her irresponsibly. She says that Satsuma didn’t make sure she could afford the loan repayments. This has negatively affected her financial situation and her physical and mental health. What hap... (3 pages)View decision
