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-1909348
12 Jun 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1909348 The complaintMr C says Provident Personal Credit Limited trading as Satsuma lent to him irresponsibly. He says that repaying the loans caused him financial problems and he needed to borrow again to make the repayments. He thinks that Satsuma should’ve checked he could afford th... (2 pages)View decision -
Decision Reference DRN-1760836
10 Jun 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-1760836 The complaintMr B says Provident Personal Credit Limited lent to him irresponsibly. He says the loans were taking up a large part of his income and he couldn’t afford the repayments. He then needed new loans to repay the ones he had taken out. What happenedThis complaint is abo... (3 pages)View decision -
Decision Reference DRN-1464808
9 Jun 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1464808 The complaintMiss D says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to her.What happenedThis complaint is about five instalment loans Satsuma provided to Miss D between May 2016 and April 2019. Miss D borrowed amounts ranging between £200 and £800... (3 pages)View decision -
Decision Reference DRN-1695971
8 Jun 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-1695971The complaintMrs V complains that Provident Personal Credit Limited, trading as Satsuma, lent to her irresponsibly. What happenedSatsuma lent to Mrs V eight times and these sums ranged from £300 to £1,600 between June 2017 and June 2019. The last loan was approved after Mrs V ha... (4 pages)View decision -
Decision Reference DRN-1521447
8 Jun 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1521447ComplaintMiss B complains that Provident Personal Credit Limited trading at the time as ‘Satsuma’ irresponsibly lent to her. BackgroundMiss B borrowed £500 from Satsuma in March 2015.The loan was set to run for 39 weeks and Miss B’s weekly contractual repayment was £23.08. Her h... (3 pages)View decision -
Decision Reference DRN-1593745
7 Jun 2020 Provident Personal Credit Limited Not upheldConsumer CreditThe complaint Mrs K says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), irresponsibly lent to her. Mrs K has said Satsuma didn’t carry out sufficient credit checks. She was borrowing from other short-term lenders, her borrowing was out of control and she got into a cycl... (3 pages)View decision -
Decision Reference DRN-1101577
3 Jun 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-1101577ComplaintMs C says Provident Personal Credit Limited (“Provident”) irresponsibly provided her with unaffordable loans. BackgroundAs I understand it, Provident provided five home collected credit loans to Ms C between March 2008 and March 2010. And Ms C's account was sold on... (2 pages)View decision -
Decision Reference DRN-1514316
2 Jun 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1514316The complaintMiss D says Provident Personal Credit Limited (trading as Satsuma) lent to her irresponsibly.What happenedMiss D took out a £750 12-month instalment loan with Satsuma in October 2017. The repayments were £124.50 per month. An adjudicator considered Miss D's com... (2 pages)View decision -
Decision Reference DRN6458365
1 Jun 2020 Provident Personal Credit Limited UpheldBanking and creditMr K says Provident Personal Credit Limited lent to him irresponsibly. He says he couldn’t afford the loan repayments and he struggled to repay them. He says the loans ran concurrently because he needed to reborrow again to repay the loan he already had. His credit reports would’ve shown s... (4 pages)View decision -
Decision Reference DRN-1679396
29 May 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1679396 The complaintMr M says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), irresponsibly lent to him. Mr M says he shouldn’t have been given any lending as it was unaffordable for him. What happenedThis complaint is about two short-term loans Satsuma provided to ... (3 pages)View decision
