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-1738713
8 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1738713 The complaintMr I says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), irresponsibly lent to him. Mr I has said Satsuma didn’t carry out sufficient credit checks. He was already struggling to keep up with his then current outgoings and he suffered because of ... (4 pages)View decision -
Decision Reference DRN-1717213
8 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditThe complaint Mr K says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), irresponsibly lent to him. Amongst other complaint points Mr K has said Satsuma didn’t carry out sufficient credit checks about his financial circumstances. What happened This complaint is about two ... (4 pages)View decision -
Decision Reference DRN4043173
7 Jul 2020 Provident Personal Credit Limited UpheldBanking and creditMiss H complained that a ‘default’ notice was incorrectly applied to her credit file by Provident Personal Credit Limited, trading at the time as Satsuma Loans. For consistency I’ll refer mainly to “Satsuma” in this decision.Miss H borrowed a short-term loan from Satsuma in 2016. It seems ... (3 pages)View decision -
Decision Reference DRN9483837
7 Jul 2020 Provident Personal Credit Limited Not upheldBanking and creditComplaintMr C says Provident Personal Credit Limited lent to him irresponsibly.Background Mr C had seven home loans with Provident. I’ve summarised some of the details Providentprovided about Mr C lending in the table below. LoanDate Taken Date Repaid No Weekly Instalments Loan AmountWeekl... (3 pages)View decision -
Decision Reference DRN-1812043
7 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditThe complaint Miss O says Provident Personal Credit Limited (trading as Satsuma) lent to her irresponsibly. What happened Miss O had three loans with Satsuma, some details of which I have set out below. LoanDate TakenDate RepaidAmount … ... (2 pages)View decision -
Decision Reference DRN-1736806
6 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1736806 The complaintMr I 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 I in December 2018. The loan was for £1,000 and was repaid over 12 monthly insta... (3 pages)View decision -
Decision Reference DRN-1847472
6 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditThe complaint Mr K complains that Provident Personal Credit Limited, trading as Satsuma, lent to him in an irresponsible manner. What happened In October 2016, Satsuma gave Mr K a loan of £300. The loan was repayable in 30 weekly instalments of £19.90. Mr K says that Satsuma shouldn’t have... (3 pages)View decision -
Decision Reference DRN-1586885
6 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditComplaint Mr W says Provident Personal Credit Limited trading at the time as ‘Satsuma’ irresponsibly lent to him. Mr W is represented by a third party. Background Mr W borrowed £600 from Satsuma on 13 July 2017. The loan was set to run for six months. It appears this loan is still outstand... (3 pages)View decision -
Decision Reference DRN-1548693
3 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1548693 The complaintX says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), irresponsibly lent to him. X says the affordability of the loans wasn’t assessed and the impact of the lending has been significant for him. What happenedThis complaint is about two short-ter... (3 pages)View decision -
Decision Reference DRN-1520675
3 Jul 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1520675 The complaintMr P says Provident Personal Credit Limited (trading as Satsuma) lent to him irresponsibly. What happened Mr P took out a loan with Satsuma in August 2018. The loan was for £400 and was repayable in six monthly instalments. An adjudicator considered Mr P’s complai... (2 pages)View decision
