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 DRN0431313
21 Feb 2020 Provident Personal Credit Limited Not upheldBanking and creditMr M complains, in summary, that Provident Personal Credit Limited, trading as Satsuma Loans, (“SL”), ignored his request for help with his loan account.backgroundMr H took out a loan from SL on 2 February 2018 for £500. It was due to be repaid by 11 monthly payments of £90.50. Mr H missed... (3 pages)View decision -
Decision Reference DRN5734720
19 Feb 2020 Provident Personal Credit Limited UpheldBanking and creditMr G complains Provident Personal Credit Limited is recording incorrect information on his credit file.background Between April and May 2015, 12 loans were applied for in Mr G’s name. The loans were then repaid in a short time.In June 2015 Provident received chargeback requests for all th... (2 pages)View decision -
Decision Reference DRN2720402
19 Feb 2020 Provident Personal Credit Limited Not upheldBanking and creditMiss R says Provident Personal Credit Limited lent to her irresponsibly. She says that she wasn’t in a position to borrow money and Provident would’ve seen this if it had made better checks.backgroundThis complaint is about seven home credit loans Provident provided to Miss R over two peri... (3 pages)View decision -
Decision Reference DRN-1505188
17 Feb 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1505188 The complaintMr K complains that Provident Personal Credit Limited, trading as Satsuma Loans, lent to him irresponsibly. What happenedMr K applied for and was approved for one loan in March 2019. It was for £300, repayable over six months at about £94 a month. Mr K had informed... (2 pages)View decision -
Decision Reference DRN8518843
14 Feb 2020 Provident Personal Credit Limited UpheldBanking and creditMr A complains that Provident Personal Credit Limited (trading as ‘Satsuma’) gave him loans irresponsibly.backgroundThis complaint is about three loans Satsuma provided to Mr A between September 2015 and May 2016. Here’s a loan table setting out details of the loans: Loan No.Start DateAmou... (5 pages)View decision -
Decision Reference DRN9913723
12 Feb 2020 Provident Personal Credit Limited Not upheldBanking and creditand backgroundMr M says Provident Personal Credit Limited (trading as Satsuma Loans) irresponsibly lent to him in June 2014 and January 2018. This is a summary of Mr M’s borrowing from Satsuma.LoanTaken outRepaidAmount, £ 1 20/06/201426/09/2014 3002 3/01/2018 - 1000Our adjudicator upheld M... (5 pages)View decision -
Decision Reference DRN3533208
5 Feb 2020 Provident Personal Credit Limited Not upheldBanking and creditMrs P is unhappy Provident Personal Credit Limited, trading as Satsuma, carried out a ‘hard’ credit search when she applied for a loan. Mrs P says Satsuma should only have carried out a ‘soft’ search. backgroundMrs P applied for a loan with Satsuma, having been directed to it by a broker w... (2 pages)View decision -
Decision Reference DRN5525045
5 Feb 2020 Provident Personal Credit Limited UpheldBanking and creditMr G complains that Provident Personal Credit Limited, trading as Satsuma, lent to him in an irresponsible manner.backgroundMr G took out seven instalment loans with Satsuma between September 2016 and December 2018. Loan one was for 13 weeks, loan two was for four months and loansthree to ... (3 pages)View decision -
Decision Reference DRN9142550
5 Feb 2020 Provident Personal Credit Limited UpheldBanking and creditMr H complains that Provident Personal Credit Limited, trading as Satsuma, lent to him in an irresponsible manner. backgroundMr H took out four instalment loans with Satsuma between January 2018 and December 2018. The loans were repayable in nine, ten or 12, monthly instalments. Mr H repai... (3 pages)View decision -
Decision Reference DRN4513583
5 Feb 2020 Provident Personal Credit Limited UpheldBanking and creditMr D is unhappy Provident Personal Credit Limited, trading as Satsuma Loans (“Provident”) intends to use the compensation it’s offered him following a complaint about five instalment loans to reduce the amount he owes on the account.background Mr D initially complained about five instalmen... (2 pages)View decision