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-2151211
14 Sep 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2151211The complaintMs E says Provident Personal Credit Limited lent to her irresponsibly. She says she was advised by Provident to keep relending and this eventually meant that she couldn’t really afford to live. She says that the lending has negatively affected her credit history ove... (4 pages)View decision -
Decision Reference DRN-2115146
11 Sep 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2115146The complaintMr P says Provident Personal Credit Limited (‘Provident’) irresponsibly lent to him. He says Provident didn’t carry out effective affordability checks. If it had, it wouldn’t have lent to him. What happenedThis complaint is about six home credit loans Provident prov... (4 pages)View decision -
Decision Reference DRN-2164024
9 Sep 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2164024The complaintMiss L complains that Provident Personal Credit Limited (trading as Satsuma) lent to her irresponsibly. What happenedMiss L took out a total of five loans with Satsuma between July 2016 and April 2019.Loan no. Date borrowed Date repaidAmountNo. of instalments 1 03.0... (5 pages)View decision -
Decision Reference DRN-2131266
9 Sep 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2131266The complaintMr D says Provident Personal Credit Limited (trading as Satsuma) lent to him irresponsibly. What happenedMr D had three instalment loans from Satsuma in 2019: a £500 loan in April, a £1,400 loan in May and a £100 loan in November. An adjudicator considered Mr D’s co... (2 pages)View decision -
Decision Reference DRN-2159212
9 Sep 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2159212The complaintMiss A says Provident Personal Credit Limited trading at the time as ‘Satsuma’ irresponsiblylent to her.What happenedIn July 2020 I issued my provisional decision. In it I explained why I was intending to uphold this complaint about loan 2. A copy of my provisional ... (4 pages)View decision -
Decision Reference DRN-1957779
9 Sep 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1957779The complaintMr C’s complaint is about the service he received from Provident Personal Credit Limit (trading as Provident) in relation to the problems he had when repaying his loan. Mr C said due to the problems he had, he was left with no choice but to settle the loan early. Wh... (2 pages)View decision -
Decision Reference DRN-2018518
4 Sep 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2018518The complaintMr B says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), irresponsibly lent to him. Mr B has said insufficient affordability checks were carried out. If sufficient checks had been carried out Satsuma would have seen Mr B had short-term loans with... (3 pages)View decision -
Decision Reference DRN-2116612
3 Sep 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2116612The complaintMrs C says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), irresponsibly lent to her. Mrs C has said the lending was unaffordable for her and Satsuma didn’t carry out sufficient affordability checks. Mrs C says got into a spiral of debt and her al... (3 pages)View decision -
Decision Reference DRN-2005895
2 Sep 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2005895The complaintMrs T complained about a number of loans she took out through a company called Provident Personal Credit Limited. She says she was lent to irresponsibly and the loans caused her financial problems. To keep things simple, I’ll refer mainly to “Provident” throughout t... (2 pages)View decision -
Decision Reference DRN-2083444
1 Sep 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2083444The complaintMr H is unhappy with the early settlement balance (ESB) calculated by Provident Personal Credit Limited (trading as Satsuma). Mr H says the balance was too high. What happenedMr H took out two £900 12-month loans with Satsuma in May 2019. Mr H asked Satsuma to provi... (2 pages)View decision
