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 DRN4757413
4 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMiss K complains that Provident Personal Credit Limited (trading as Satsuma) did not complete enough checks before deciding to lend to her.backgroundSatsuma said Miss K had 9 loans between October 2014 and March 2018 as follows:Loan Date AmountTerm Due *Monthly Repayment Repaid 1 28 Oct 20... (3 pages)View decision -
Decision Reference DRN1375820
4 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMr B says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to him.backgroundThis complaint is about eight instalment loans Satsuma provided to Mr B between May 2017 and June 2019. Mr B borrowed amounts ranging between £150 and £1,000 to be repaid in monthly instalm... (4 pages)View decision -
Decision Reference DRN7881443
3 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMr W complains that the loans he had from Provident Personal Credit Limited (trading as Satsuma Loans) were unaffordable to him.backgroundMr W had five loans from Satsuma between November 2014 and August 2018 as follows:Loan Date AmountTermMonthly Repayment Repaid 119 Nov 2014£10013w£46.67... (2 pages)View decision -
Decision Reference DRN3085684
2 Dec 2019 Provident Personal Credit Limited UpheldBanking and creditMr F complains that Provident Personal Credit Limited (trading as Satsuma) was irresponsible to lend him money.backgroundThis complaint is about four loans Satsuma provided to Mr F between July 2015 and September 2017. The first two loans were repayable in weekly instalments. Mr F had to m... (4 pages)View decision -
Decision Reference DRN6328002
29 Nov 2019 Provident Personal Credit Limited Not upheldBanking and creditMr S complains that Provident Personal Credit Limited (trading as Satsuma) lent to him in an irresponsible manner.backgroundMr S took three instalment loans from Satsuma between February 2017 and November 2017. Details of the 3 loans are as follows:LoanDate takenAmountMonthly instalmentsH... (3 pages)View decision -
Decision Reference DRN1862418
29 Nov 2019 Provident Personal Credit Limited UpheldBanking and creditMr L says Provident Personal Credit Limited (trading as Satsuma) lent to him irresponsibly.backgroundMr L had six loans with Satsuma. Some of the information Satsuma provided about the loans is summarised in the table below.LoanDate TakenDate RepaidInstalmentsAmount111/03/201623/09/201626 ... (3 pages)View decision -
Decision Reference DRN6948860
29 Nov 2019 Provident Personal Credit Limited Not upheldBanking and creditMr M complains that Provident Personal Credit Limited (trading as Satsuma) lent to him in an irresponsible manner.backgroundMr M took four instalment loans from Satsuma between October 2016 and February 2018. Details of the 4 loans are as follows:LoanDate takenAmountTotal repaidInstalment... (3 pages)View decision -
Decision Reference DRN8763428
29 Nov 2019 Provident Personal Credit Limited UpheldBanking and creditMr P says Provident Personal Credit Limited (“Satsuma”) irresponsibly lent to him.backgroundI issued a provisional decision on 28 October 2019 that explained that I upheld the complaint in part. I have attached a copy of my decision and it forms part of this decision.Mr P responded to say ... (6 pages)View decision -
Decision Reference DRN1729381
29 Nov 2019 Provident Personal Credit Limited UpheldBanking and creditMiss H says Provident Personal Credit Limited lent to her irresponsibly.backgroundMiss H had four loans with Provident, approved in August and November 2016 and February and June 2017.Our adjudicator considered the complaint and recommended it be upheld in part. She didn’t think Provident ... (2 pages)View decision -
Decision Reference DRN7041418
28 Nov 2019 Provident Personal Credit Limited UpheldBanking and creditMr S says Provident Personal Credit Limited (trading as Satsuma Loans) irresponsibly lent to him.backgroundThis complaint is about eight instalment loans Satsuma provided to Mr S between March 2015 and August 2017. The loans ranged in term from 13 weeks to six months. This is a summary of ... (3 pages)View decision
