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 DRN0275866
2 Apr 2020 Provident Personal Credit Limited UpheldBanking and creditMs L says Provident Personal Credit Limited trading as Satsuma irresponsibly lent to her.backgroundThis complaint is about five loans Satsuma provided to Ms L between April 2015 and February 2017. Ms L’s borrowing history is set out in the table below as follows: LoanDate Taken Date Repaid... (4 pages)View decision -
Decision Reference DRN6257054
2 Apr 2020 Provident Personal Credit Limited UpheldBanking and creditMr B says Provident Personal Credit Limited, trading as Satsuma (“Satsuma”) irresponsibly lent to him. He says the borrowing was unaffordable when taking into account his income and expenditure. Mr B has said his credit history would show he wasn’t credit worthy. backgroundThis complaint i... (3 pages)View decision -
Decision Reference DRN1264774
2 Apr 2020 Provident Personal Credit Limited UpheldBanking and creditMr B complains that Provident Personal Credit Limited (trading as Satsuma) has unfairly added a default to his credit file.backgroundMr B borrowed from Satsuma in June and August 2015. He faced difficulties repaying both loans and only made token repayments on each for a considerable perio... (3 pages)View decision -
Decision Reference DRN-1686391
2 Apr 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-1686391The complaintMr L says Provident Personal Credit Limited (trading as Satsuma) lent to him irresponsibly.What happenedMr L had six loans with Satsuma. I've summarised some information Satsuma provided about the loans below.LoanDate TakenDate Repaid Instalment s Amount 1 14/0... (3 pages)View decision -
Decision Reference DRN2794279
1 Apr 2020 Provident Personal Credit Limited Not upheldBanking and creditMr M says Provident Personal Credit Limited (trading as Satsuma) unfairly applied an early settlement charge (ESC) when he wanted to repay a loan early.backgroundI sent both parties my provisional findings on this complaint on 16 March 2020. A copy of that decision is attached and forms pa... (5 pages)View decision -
Decision Reference DRN1101056
31 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMr R says Provident Personal Credit Limited lent to him irresponsibly.backgroundMr R had 17 home credit loans with Provident. I’ve summarised some of the information Provident provided about the loans in the table below.Loan no.Amount (£) IssuedRepaid 1400 12/12/201015/03/2011 2800 12/03/2... (6 pages)View decision -
Decision Reference DRN3438552
30 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMr R complained about 2 loans he took out with a company called Provident Personal Credit Limited, trading as “Satsuma”. Mr R says Satsuma lent to him irresponsibly and this went on to cause him financial problems.To keep things simple, I’ll refer mainly to Satsuma.backgroundWe now know Mr... (3 pages)View decision -
Decision Reference DRN-1608019
28 Mar 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1608019 The complaintMs L complained about an instalment loan she took out with Provident Personal Credit Limited (trading as ‘Satsuma’) and said this was unaffordable for her. What happened Ms L took out an Satsuma loan for £1,000 in December 2018 which she was due to repay in 12 inst... (3 pages)View decision -
Decision Reference DRN2052498
27 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMr G complains that Provident Personal Credit Limited was irresponsible when it provided three loans to him between 2006 and 2010.backgroundMr G took three home collected credit loans with Provident between November 2006 and November 2010. This means that a Provident agent attended at Mr G... (3 pages)View decision -
Decision Reference DRN7415605
27 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMs C complains that Provident Personal Credit Limited was irresponsible when it provided her with 18 loans between June 2006 and December 2014.backgroundThe 18 loans Provident provided to Ms C were home-collected loans. This meant that a Provident agent engaged with Ms C at her home during... (6 pages)View decision
