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 DRN8346653
26 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditComplaintMiss B says Provident Personal Credit Limited provided her with multiple loans when it was clear she couldn’t afford to repay them.Background Miss B took 8 home credit loans between August 2009 and September 2017. Provident provided the following information about the loans.loan n... (3 pages)View decision -
Decision Reference DRN0882219
26 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMrs N complains that Provident Personal Credit Limited lent to her irresponsibly.Mrs N is represented by a member of her family. backgroundUsing information provided by Provident, Mrs N’s approved loans are summarised here. I have removed reference to pence. Accurate details of each loan a... (5 pages)View decision -
Decision Reference DRN3981161
25 Mar 2020 Provident Personal Credit Limited Not upheldBanking and creditComplaintMr S has complained about the scheduled loan repayments on his loan with Satsuma. He says Satsuma changed his repayment dates to the 8th of every month without notifying him or him agreeing to this change. Mr S isn’t happy with the amount of compensation Satsuma has awarded him.Ba... (4 pages)View decision -
Decision Reference DRN2376828
24 Mar 2020 Provident Personal Credit Limited Not upheldBanking and creditMr O says Provident Personal Credit Limited irresponsibly lent to him.backgroundThis complaint is about two loans Provident provided to Mr O between February 2018 and April 2018. Mr O’s borrowing history is as follows: LoanDate Taken Out Date Repaid Loan AmountLoan + Interest Highest Insta... (3 pages)View decision -
Decision Reference DRN2480733
24 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMr W says Provident Personal Credit Limited (trading as Satsuma) led him to believe that he had repaid one of his loans – when he hadn’t. It also spelt his name incorrectly in two emails and he was concerned that Satsuma didn’t issue him with a final response letter. background The backgro... (4 pages)View decision -
Decision Reference DRN2937047
24 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMiss S says Provident Personal Credit Limited (trading as “Satsuma”) irresponsibly lent to her.backgroundThis complaint is about six high-cost short term credit instalment loans that Satsuma provided to Miss S from January 2016 onwards. Miss S’ last loan was provided in February 2018. Our ... (2 pages)View decision -
Decision Reference DRN-1611770
23 Mar 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-1611770ComplaintMrs O says Provident Personal Credit Limited (trading as “Satsuma”) irresponsibly lent to her. BackgroundThis complaint is about eight high-cost short term credit instalment loans that Satsuma provided to Mrs O from April 2013 onwards. Mrs O’s last loan was provided in ... (2 pages)View decision -
Decision Reference DRN4016932
18 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMr T says Provident Personal Credit Limited (trading as “Satsuma”) irresponsibly lent to him.backgroundThis complaint is about nine high-cost short term credit instalment loans that Satsuma provided to Mr T from January 2016 onwards. Mr T’s last loan was provided in February 2018. Our adju... (2 pages)View decision -
Decision Reference DRN9608864
13 Mar 2020 Provident Personal Credit Limited UpheldBanking and creditMr A complains that Provident Personal Credit Limited (trading as Satsuma) gave him loans irresponsibly.backgroundThe background to this complaint was set out in the provisional decision that I issued in February 2020. An extract from this is attached and forms part of this final decision,... (4 pages)View decision -
Decision Reference DRN5254606
11 Mar 2020 Provident Personal Credit Limited Not upheldBanking and creditMiss L complains that Provident Personal Credit Limited was irresponsible when it provided her with two home-collected instalment loans in 2009 and 2010. She says that it didn’t carry out proper affordability checks when lending to her. She adds that the loans led her to struggle financial... (3 pages)View decision
