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 DRN8180853
12 Dec 2019 Provident Personal Credit Limited Not upheldBanking and creditMr R complains that Provident Personal Credit Limited (trading as Satsuma) has treated him unfairly in the way it adds interest when calculating loan balances following a full or partial early settlement payment.backgroundMr R took six loans from Satsuma between May 2016 and May 2017. He s... (4 pages)View decision -
Decision Reference DRN1267502
10 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMr F complains that Provident Personal Credit Limited (trading as Satsuma Loans) was irresponsible to lend to him.backgroundMr F had four loans from Satsuma between November 2016 and August 2017 as follows:Loan Date AmountTermRepayment DueRepaid 121 Nov 2016£60012m£99.6028 Nov 201726 May 2... (2 pages)View decision -
Decision Reference DRN0625475
9 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMrs S complains that Provident Personal Credit Limited (trading as “Satsuma”) gave her loans she couldn’t afford to repay.backgroundMrs S took out 4 loans between 12 June 2015 and 12 April 2017, all due for repayment by instalments over a year. Her 2nd loan was withdrawn after 11 days duri... (4 pages)View decision -
Decision Reference DRN1862053
9 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMr S complains that Provident Personal Credit Limited (trading as Satsuma) gave him loans that he couldn’t afford to pay back.backgroundMr S took out nine instalment loans with Satsuma between April 2015 and March 2018. Mr S has repaid all of his loans. He says that proper affordability ch... (3 pages)View decision -
Decision Reference DRN6158909
6 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMr N complains that Provident Personal Credit Limited, trading as Satsuma Loans, lent tohim in an irresponsible manner.backgroundThe background to this complaint was set out in my provisional decision dated 28 October 2019, an extract of which is attached and forms part of this final decis... (5 pages)View decision -
Decision Reference DRN9595619
6 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMrs W complains that Provident Personal Credit Limited, trading as Satsuma, lent to her irresponsibly.background and findingsMy provisional decision dated 18 November 2019 is attached and forms part of this final decision. In it I explained that I was planning to uphold Mrs W’s complaint a... (4 pages)View decision -
Decision Reference DRN5768333
6 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditComplaintMr K complains that Provident Personal Credit Limited (trading as Satsuma Loans) lent money to him that he couldn’t afford to repay.BackgroundBased on the information, Satsuma Loans provided Mr K with three instalment loans between March and September 2018. LoanDateRepaidInstalmen... (3 pages)View decision -
Decision Reference DRN4049954
6 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMr G says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to him.backgroundThis complaint is about 5 instalment loans Satsuma provided to Mr G between November 2014 and August 2017. Details of the 5 loans are as follows:LoanDate takenAmountInstalmentsDate repaid10... (4 pages)View decision -
Decision Reference DRN7686333
6 Dec 2019 Provident Personal Credit Limited Not upheldBanking and creditMrs R complains that Provident Personal Credit Limited (trading as Satsuma) lent to her irresponsibly.backgroundMrs R took out two loans with Satsuma in October 2016. The first loan was for £700. But Mrs R repaid the first loan in full after a couple of days, and replaced it a few days lat... (2 pages)View decision -
Decision Reference DRN5169468
6 Dec 2019 Provident Personal Credit Limited Not upheldBanking and creditComplaintMr S complains that Provident Personal Credit Limited (trading as Satsuma Loans) lent money to him that he couldn’t afford to repay.BackgroundBased on the information, Satsuma Loans provided Mr S with two loans, one in March 2018 and one in May 2018.Mr S says that adequate checks ... (3 pages)View decision
