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-1661421
5 Aug 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1661421 complaintMr M’s complaint is about two instalment loans she took with Provident Personal Credit Limited trading as Satsuma Loans. Mr M says these loans were unaffordable. backgroundSatsuma Loans provided Mr M with two instalment loans between October 2017 and January 2018, as ... (3 pages)View decision -
Decision Reference DRN-2052061
31 Jul 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2052061 The complaintMr P says Provident Personal Credit Limited (trading as Satsuma) lent to him irresponsibly.What happenedI sent both parties a copy of my provisional decision on 2 July 2020. In it I explained why I intended to partially uphold Mr P’s complaint. I also set out what... (3 pages)View decision -
Decision Reference DRN2816444
27 Jul 2020 Provident Personal Credit Limited UpheldBanking and creditMr N says Provident Personal Credit Limited lent to him irresponsibly. He says the loans caused him to spiral into debt. This affected his financial situation and his health. He says Provident didn’t assess his situation properly at the time of sale and it didn’t look into his complaint pr... (4 pages)View decision -
Decision Reference DRN-1854203
24 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1854203 The complaintMr H says Provident Personal Credit Limited - trading as Satsuma - irresponsibly lent to him.What happenedThis complaint is about three instalment loans Satsuma provided to Mr H between December 2015 and July 2017. A summary of Mr H’s borrowing history is as follo... (3 pages)View decision -
Decision Reference DRN-1914038
23 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1914038 The complaintMr J complains that Provident Personal Credit Limited, trading as Satsuma Loans, lent to him in an irresponsible manner. What happenedIn March 2018, Mr J took out a loan of £300 with Satsuma. The loan was repayable over six months and the monthly repayments were a... (3 pages)View decision -
Decision Reference DRN-1787567
22 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1787567 The complaintMrs B says Provident Personal Credit Limited irresponsibly lent to her. What happenedThis complaint is about eight home collected credit loans Provident provided to Mrs B between September 2002 and November 2012. A summary of Mrs B’s borrowing history is below: Lo... (4 pages)View decision -
Decision Reference DRN-1747811
21 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1747811 The complaintMr C says Provident Personal Credit Limited irresponsibly lent to him. What happenedThis complaint is about four instalment loans Provident provided to Mr C between November 2015 and March 2016. Mr C’s borrowing history is laid out below: LoanDate Taken Date Repai... (3 pages)View decision -
Decision Reference DRN-1719577
17 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditThe complaint Mrs M says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), irresponsibly lent to her. Mrs M has said Satsuma didn’t ask her for enough information to find out if the loans were affordable for her. The lending has left her in debt, and she has suffered menta... (4 pages)View decision -
Decision Reference DRN-1978992
16 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1978992 The complaintMr N says Provident Personal Credit Limited (trading as Satsuma) lent to him irresponsibly.What happenedMr N had two loans with Satsuma which I have briefly summarised below.Loan no. Start dateEnd date No. instalments Loan amount Monthly repayment 1 23/08/201801/0... (2 pages)View decision -
Decision Reference DRN-1829397
16 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1829397 The complaintMiss G says Provident Personal Credit Limited – trading as Satsuma – irresponsibly lent to her. What happenedThis complaint is about two instalment loans Satsuma provided to Miss G between January and July 2019. A summary of Miss G’s borrowing history is as follow... (3 pages)View decision
