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 DRN4011717
27 Jan 2020 Provident Personal Credit Limited UpheldBanking and creditMr C complains that Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to him.backgroundThe background to this complaint was set out in the provisional decision I issued on 6th December 2019. An extract from this is attached and forms part of this final decision, so... (6 pages)View decision -
Decision Reference DRN5914447
27 Jan 2020 Provident Personal Credit Limited Not upheldBanking and creditMiss W complains that Provident Personal Credit Limited (“Provident”) lent irresponsibly to her.backgroundMiss W took out a total of four loans with Provident between August 2005 and February 2009. LoanDate borrowedAmountDate repaidNo. of weekly instalments127.08.05£40022.07.0655207.01.06... (3 pages)View decision -
Decision Reference DRN7991297
24 Jan 2020 Provident Personal Credit Limited Not upheldBanking and creditMr G complains that Provident Personal Credit Limited lent to him irresponsibly.backgroundMr G took out a total of three loans with Provident in 2016. All three loans were repayable by a number of weekly instalments.Loan no.AmountDate borrowedWeekly instalmentNo. of weekly instalments1£... (3 pages)View decision -
Decision Reference DRN8467638
23 Jan 2020 Provident Personal Credit Limited UpheldBanking and creditMiss C complains that Provident Personal Credit Limited (trading as Satsuma) did not carry out the correct affordability checks before approving her loan applications.backgroundMiss C was approved for six loans from Satsuma between January 2017 and April 2019 as follows:Loan Date AmountTer... (3 pages)View decision -
Decision Reference DRN4056542
23 Jan 2020 Provident Personal Credit Limited UpheldBanking and creditMrs C complains that Provident Personal Credit Limited (trading as ‘Satsuma’) irresponsibly gave her loans which she couldn’t afford to pay back.backgroundThis complaint is about three loans Satsuma provided to Mrs C between January 2018 and August 2018. Here’s a table setting out details ... (4 pages)View decision -
Decision Reference DRN4720008
16 Jan 2020 Provident Personal Credit Limited UpheldBanking and creditMr H complains that Provident Personal Credit Limited (trading as Satsuma) gave him a loan irresponsibly.backgroundThe background to this complaint was set out in the provisional decision that I issued in November 2019. An extract from this is attached and forms part of this final decision... (5 pages)View decision -
Decision Reference DRN7775291
15 Jan 2020 Provident Personal Credit Limited Not upheldBanking and creditMr T says Provident Personal Credit Limited (trading as “Satsuma”) irresponsibly gave him loans he couldn’t afford to pay back.background Satsuma provided a loan of £800 to Mr T in February 2018. Mr T was due to repay the loan in instalments of £177.60 over nine months. After making five r... (4 pages)View decision -
Decision Reference DRN5500397
15 Jan 2020 Provident Personal Credit Limited Not upheldBanking and creditMrs M complains that Provident Personal Credit Limited (trading as Satsuma) lent to her in an irresponsible manner.backgroundMrs M took two instalment loans from Satsuma between March 2018 and October 2018. Details of the 2 loans are as follows:LoanDate takenAmountMonthly instalmentsHighe... (3 pages)View decision -
Decision Reference DRN2403477
15 Jan 2020 Provident Personal Credit Limited Not upheldBanking and creditMr D complains that Provident Personal Credit Limited (trading as Satsuma) lent to him in an irresponsible manner.backgroundMr D took two loans from Satsuma in October 2015 and September 2018. Mr D complained to this service about loan 1 on an earlier occasion and it was not upheld by an a... (3 pages)View decision -
Decision Reference DRN2059035
15 Jan 2020 Provident Personal Credit Limited UpheldBanking and creditMrs B says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to her.backgroundThis complaint is about four instalment loans Satsuma provided to Mrs B between January 2018 and June 2018. Details of these five loans are as follows:LoanTakenRepaidInstalmentsAmountmonth... (4 pages)View decision
