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
-
Decision Reference DRN-1906659
16 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1906659 The complaintMiss R says Provident Personal Credit Limited irresponsibly lent to her. What happenedThis complaint is about two instalment loans Provident provided to Miss R between September 2011 and May 2012. Loan 1 was for £200 and was repaid over 50 weekly instalments of £7... (3 pages)View decision -
Decision Reference DRN-1884242
16 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1884242 The complaintMr P has complained about a loan he took out through a company called Provident Personal Credit Limited, trading at the time as “Satsuma”. Mr P says he was lent to irresponsibly and the loan caused him wider financial problems. To keep things simple, I’ll refer ma... (2 pages)View decision -
Decision Reference DRN-1724972
15 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1724972 The complaintMiss M says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), irresponsibly lent to her. Miss M has said Satsuma was happy to lend to her when it knew of her poor financial circumstances. The lending has been detrimental to her credit record and fi... (3 pages)View decision -
Decision Reference DRN-1880675
15 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditThe complaint Mr W says the loan he took with Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), isn’t enforceable as he wasn’t able to access the two-way signed credit agreement via the email link sent by Satsuma. He also complains that the early settlement quote was too h... (3 pages)View decision -
Decision Reference DRN4848921
15 Jul 2020 Provident Personal Credit Limited Not upheldBanking and creditComplaintAfter Mr F took a loan from Provident Personal Credit Limited (trading as Satsuma) he wanted to repay it via cash repayments following problems with his bank account. He says Satsuma wouldn’t accept cash payments and it reported a default on his credit file. BackgroundIn response... (3 pages)View decision -
Decision Reference DRN-2007012
14 Jul 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2007012 The complaintMiss P complains that Provident Personal Credit Limited lent to her irresponsibly.What happenedProvident has explained ‘Greenwoods Personal Credit was purchased by the Provident Financial Group and after amalgamating the terms and conditions, business processes an... (5 pages)View decision -
Decision Reference DRN-1922183
14 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1922183 The complaintMr P complains that Provident Personal Credit Limited sent him text messages and other correspondence chasing him for payments on a loan he had cancelled. What happenedMr P took out a loan in 2018 with Provident, which was repaid in full shortly after he took it o... (2 pages)View decision -
Decision Reference DRN-1869173
14 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditThe complaint Mr B says Provident Personal Credit Limited lent to him irresponsibly. What happened Provident provided evidence of one home credit loan Mr B had in April 2012. The loan was for £150 and was repayable at £5.25 per week. An adjudicator considered the complaint about this loan ... (2 pages)View decision -
Decision Reference DRN-1665606
13 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1665606 The complaintMr G says Provident Personal Credit Limited – trading as Satsuma (“Satsuma”) – irresponsibly lent to him. What happenedThis complaint is about one instalment loan Satsuma provided to Mr G in December 2018. The loan was for £500 and was due to be repaid over six mo... (2 pages)View decision -
Decision Reference DRN-1502240
10 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditMs W says Provident Personal Credit Limited, trading as Satsuma irresponsibly lent to her. background This complaint is about two loans Satsuma provided to Ms W between October 2017 and November 2017. A summary of Ms W’s lending history, as evidenced by Satsuma, is as follows: LoanDate Tak... (3 pages)View decision
