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-1514258
29 May 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1514258 The complaintMr M says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), irresponsibly lent to him. Mr M has told us he was in a cycle of debt and had borrowing with other short- term lenders as well as Satsuma. What happenedThis complaint is about one short-te... (3 pages)View decision -
Decision Reference DRN-1678092
27 May 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-1678092 The complaintMr Y has complained about the loans he took out with Provident Personal Credit Limited trading as Satsuma Loans. He says the loans were unaffordable. What happenedMr Y took 13 loans from Satsuma between February 2014 and July 2019. Some of the information Satsuma p... (5 pages)View decision -
Decision Reference DRN1036426
27 May 2020 Provident Personal Credit Limited UpheldBanking and creditMr B complained about a loan he took out through a company called Provident Personal Credit Limited, trading as “Satsuma”. Mr B says he was lent to irresponsibly and the loan caused him financial problems.To keep things simple I’ll refer mainly to Satsuma throughout this decision.backgroun... (3 pages)View decision -
Decision Reference DRN-1446425
27 May 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1446425ComplaintMs H complains that Provident Personal Credit Limited trading at the time as ‘Satsuma’ irresponsibly lent to her. BackgroundMs H took out one loan from Satsuma in June 2015 for £700. The repayment for the loan was around £127 per month for 52 weeks. I understand that th... (3 pages)View decision -
Decision Reference DRN3105448
26 May 2020 Provident Personal Credit Limited UpheldBanking and creditMs C complains that a second loan was lent to her irresponsibly by Provident Personal Credit Limited. When she took that second loan a mistake on the previous loan balance had been made by the Provident representative. Ms C says that one of the reasons she agreed to the second loan was be... (5 pages)View decision -
Decision Reference DRN-1478762
22 May 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-1478762 The complaintMiss A says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”), irresponsibly lent to her. Miss A has told us that at the time of the lending she was already struggling financially. She says that Satsuma encouraged her to borrow more than she could a... (4 pages)View decision -
Decision Reference DRN-1847580
20 May 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1847580ComplaintMr D says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to him.BackgroundThis complaint is about two instalment loans Satsuma provided to Mr D. Loan 1 was for £400 and was agreed in January 2017 - the repayments were £126.40 per month. Loan 2... (2 pages)View decision -
Decision Reference DRN-1512199
19 May 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1512199The complaintMs B says Provident Personal Credit Limited (trading as Satsuma) lent to her irresponsibly. What happenedMs B took out a £1,000 loan with Satsuma in May 2015. It was repayable over 11 months at about £158 a month. An adjudicator considered Ms B's complaint but ... (2 pages)View decision -
Decision Reference DRN9526518
18 May 2020 Provident Personal Credit Limited Not upheldBanking and creditMr P complains about an early settlement value he received from Provident Personal Credit Limited trading as Satsuma. He says that it was not calculated correctly. He thinks that he repaid more interest than the contract said he would. Mr P would like this interest refunded. backgroundThis... (2 pages)View decision -
Decision Reference DRN5606274
14 May 2020 Provident Personal Credit Limited UpheldBanking and creditMs P complained about a number of loans she took out with a company called Provident Personal Credit Limited, trading as “Satsuma”. She says Satsuma lent to her irresponsibly and this caused her financial problems. backgroundWe now know Ms P took out 5 loans, between January and October 20... (4 pages)View decision
