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 DRN5842396
31 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMiss D complains about three instalment loans that she took out with Provident Personal Credit Limited, trading as Satsuma Loans, (“SL”), which she said were unaffordable.background Miss D was given three instalment loans by SL from April 2017 to September 2017. A summary of the loans take... (5 pages)View decision -
Decision Reference DRN7157554
30 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMr K complains that Provident Personal Credit Limited, trading as Satsuma, lent to him in an irresponsible manner.backgroundSatsuma gave Mr K 11 instalment loans between December 2013 and May 2018. The loans ranged from £200 to £1,000 and were repayable in weekly instalments ranging from 2... (4 pages)View decision -
Decision Reference DRN1609296
28 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMr R complains that Provident Personal Credit Limited, trading as Satsuma Loans, lent to him irresponsibly.Mr R is represented by a third party and it asks on Mr R’s behalf for a refund of interest and charges, correction to his credit file and for any outstanding balance of the principal ... (4 pages)View decision -
Decision Reference DRN7192003
28 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMrs S says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to her.backgroundThis complaint is about seven instalment loans Satsuma provided to Mrs S between August 2018 and November 2018. Mrs S borrowed amounts ranging between £100 and £1,000 to be repaid in 3 or ... (4 pages)View decision -
Decision Reference DRN0403018
25 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMiss K complains that Provident Personal Credit Limited (trading as Satsuma) lent to her in an irresponsible manner.backgroundMiss K was given eight loans by Satsuma between December 2013 and June 2018. She had a further five loan requests declined during that period. Each of Miss K’s loan... (4 pages)View decision -
Decision Reference DRN0290417
24 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMr K complains that Provident Personal Credit Limited (trading as Satsuma) lent him money that he couldn’t afford to repay.Mr K wants Satsuma to refund the interest and charges that he paid.backgroundMr K took out five loans with Satsuma between December 2015 and November 2016. A summary o... (5 pages)View decision -
Decision Reference DRN0172310
24 Oct 2019 Provident Personal Credit Limited Not upheldBanking and creditMiss N says Provident Personal Credit Limited trading as Satsuma lent to her irresponsibly.backgroundMiss N had one loan with Satsuma in April 2015. She borrowed £1,000, repayable at £158.33 per month for 12 months.Our adjudicators sent two different recommendations to Miss N and Satsuma –... (2 pages)View decision -
Decision Reference DRN4515167
24 Oct 2019 Provident Personal Credit Limited Not upheldBanking and creditMr S complains that Provident Personal Credit Limited (trading as Satsuma) lent him money that he couldn’t afford to repay.Mr S wants Satsuma to refund the interest and charges that he paid and remove any negative information about the loans from his credit file.backgroundMr S took out thr... (3 pages)View decision -
Decision Reference DRN4672789
24 Oct 2019 Provident Personal Credit Limited Not upheldBanking and creditMr M says Provident Personal Credit Limited (Provident) lent to him irresponsibly. He says that he advised it that he was in debt and that he couldn’t afford the loan repayments. backgroundThis complaint is about one instalment loan Provident provided to Mr M in August 2011. Mr M borrowed ... (2 pages)View decision -
Decision Reference DRN5223066
23 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMr R complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him loans that he couldn’t afford to repay. He asks that the outstanding balance is written off. He also asks that Satsuma removes a default recorded in his credit file.backgroundMr R took out three loans... (3 pages)View decision
