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-2075924
28 Aug 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2075924The complaintMiss W complained about an instalment loan she took out with Provident Personal Credit Limited (trading as ‘Satsuma’) and said this was unaffordable for her. What happenedMiss W took out a Satsuma loan for £1,000 in November 2018 which she was due to repay in 12 ins... (3 pages)View decision -
Decision Reference DRN-2093827
28 Aug 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2093827The complaintMs W says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to her. What happenedThis complaint is about two loans that Satsuma provided to Ms W - here’s a table setting out details: LoanDate Taken Date RepaidInstalmentsAmountHighest* Repayme... (3 pages)View decision -
Decision Reference DRN-2067845
28 Aug 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2067845The complaintMiss E says Provident Personal Credit Limited lent to her irresponsibly. What happenedMiss E took out a home credit loan with Provident in November 2006. Our adjudicator explained to Miss E that this loan was granted before Provident (and consumer credit firms gener... (2 pages)View decision -
Decision Reference DRN-2033283
18 Aug 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2033283The complaintMr K says Provident Personal Credit Limited, trading as Satsuma Loans, didn’t amend his credit file correctly. This led to him being unable to get further credit and may have affected his ability to secure employment. What happenedThis complaint is about one instalm... (2 pages)View decision -
Decision Reference DRN-2082996
14 Aug 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2082996The complaintMrs L has complained about a loan granted to her by Provident Personal Credit Limited trading as Satsuma (“Satsuma” or “the lender”). Mrs L says the loan wasn’t affordable for her and Satsuma didn’t review her circumstances before lending to her. What happenedSatsum... (3 pages)View decision -
Decision Reference DRN-1906079
12 Aug 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-1906079The complaintMiss A says Provident Personal Credit Limited – trading as Provident – irresponsibly lent to her. What happenedThis complaint is about two home collected credit loans Provident provided to Miss A between October 2017 and July 2018. The first loan was for £700 and wa... (3 pages)View decision -
Decision Reference DRN6842357
11 Aug 2020 Provident Personal Credit Limited Not upheldBanking and creditMr S complains that Provident Personal Credit Limited (trading as Satsuma) gave him a loan that was unaffordable, and it has charged excessive interest without making it clear to him.backgroundMr S took three loans from Satsuma. He borrowed twice in 2016 and those loans were repaid early. ... (3 pages)View decision -
Decision Reference DRN-2031357
10 Aug 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2031357The complaintMr J says Provident Personal Credit Limited lent to him irresponsibly. What happenedMr J had one home credit loan with Provident in May 2016. The loan was for £700 with 52 weekly repayments of £24.50. An adjudicator considered Mr J’s complaint but didn’t think it sh... (2 pages)View decision -
Decision Reference DRN-1915366
6 Aug 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1915366The complaintMr H complains that Provident Personal Credit Limited (trading as Satsuma Loans) transferred his loan accounts to a debt collection agency without warning. What happenedMr H took out two loans with Satsuma in early 2018. The first loan was for £1,000, and started in... (2 pages)View decision -
Decision Reference DRN-2058795
5 Aug 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2058795The complaintMrs C complains that Provident Personal Credit Limited, trading as Satsuma, lent to her irresponsibly. What happenedThe subject of this complaint is the two loans Mrs C took with Satsuma in 2019. She had applied for, and been rejected, for two loans in 2014 and 2016... (4 pages)View decision
