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 DRN4384682
20 Apr 2020 Provident Personal Credit Limited UpheldBanking and creditMiss W says Provident Personal Credit Limited, trading as Satsuma, irresponsibly lent to her.backgroundThis complaint is about four loans Satsuma provided to Miss W between March 2017 and April 2018. Miss W’s borrowing history is as follows: Loan Date TakenDate Repaid InstalmentsAmount Com... (3 pages)View decision -
Decision Reference DRN8232026
17 Apr 2020 Provident Personal Credit Limited UpheldBanking and creditMr S says Provident Personal Credit Limited (trading as Satsuma) lent to him irresponsibly.backgroundMr S had one loan with Provident, for £1,000, repayable over 12 months at £166 per month.Our adjudicator thought the complaint should be upheld. They thought the information Provident had a... (2 pages)View decision -
Decision Reference DRN9994550
15 Apr 2020 Provident Personal Credit Limited UpheldBanking and creditMrs B has complained about loans granted to her by Provident Personal Credit Limited (“Provident” or “the lender”). Mrs B says that Provident didn’t properly look into her finances before agreeing to lend to her and it didn’t treat her fairly when she couldn’t meet her repayments. backgrou... (5 pages)View decision -
Decision Reference DRN3039479
15 Apr 2020 Provident Personal Credit Limited UpheldBanking and creditMr B has complained about a number of loans he took out through a company called Provident Personal Credit Limited, trading at the time as “Satsuma”. Mr B says he was lent to irresponsibly and the loans caused him financial problems.To keep things simple I’ll refer mainly to Satsuma throug... (4 pages)View decision -
Decision Reference DRN4664142
15 Apr 2020 Provident Personal Credit Limited UpheldBanking and creditMr D has complained about loans granted to him by Provident Personal Credit Limited (“Provident” or “the lender”). Mr D says that the loans were not affordable and should not have been agreed. Mr D has brought his complaint to this Service via a claims management company. For simplicity, I... (4 pages)View decision -
Decision Reference DRN9909638
14 Apr 2020 Provident Personal Credit Limited UpheldBanking and creditMiss C says Provident Personal Credit Limited lent to her irresponsibly.backgroundMiss C had four home loans with Provident. I’ve summarised some of the details Provident provided about these loans in the table below.loan no.start dateend dateamountweeksrepayment 1 01/11/201019/04/2011£500... (3 pages)View decision -
Decision Reference DRN2052558
9 Apr 2020 Provident Personal Credit Limited UpheldBanking and creditMr S complained about a number of loans he took out through a company called Provident Personal Credit Limited, trading at the time as “Satsuma”. Mr S says he was lent to irresponsibly and the loans caused him financial problems.To keep things simple I’ll refer mainly to Satsuma throughout... (4 pages)View decision -
Decision Reference DRN7129508
7 Apr 2020 Provident Personal Credit Limited UpheldBanking and creditMr L says Provident Personal Credit Limited trading as Satsuma irresponsibly lent to him.backgroundThis complaint is about four loans Satsuma provided to Mr L between June 2016 and September 2017. Mr L’s borrowing history is set out on the table below: LoanDate Taken Date Repaid Instalment... (3 pages)View decision -
Decision Reference DRN-1653890
6 Apr 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1653890 The complaintMr C says Provident Personal Credit limited (trading as Satsuma) irresponsibly lent to him and provided him with a loan without sufficient affordability checks to assess whether he could reasonably afford the loan. Mr C fell into arrears and eventually defaulted on... (3 pages)View decision -
Decision Reference DRN3082964
3 Apr 2020 Provident Personal Credit Limited UpheldBanking and creditComplaintMr P says he asked for a payment break in August 2018, but Provident Personal Credit Limited (trading as Satsuma) did not inform him of the consequences of not making his repayment. And that the lender’s actions will affect him trying to obtain credit in the future. Mr P also says... (4 pages)View decision
