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 DRN6853905
10 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMr D complains that Provident Personal Credit Limited (trading as Satsuma Loans) carried out insufficient affordability checks before lending to him.backgroundMr D had two loans from Satsuma between February 2017 and June 2017 as follows:Loan Date AmountTermRepayment DueStatus 123 Feb 2017... (2 pages)View decision -
Decision Reference DRN0571920
10 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMr F, represented by a third party, 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 provided, Satsuma Loans provided Mr F with eight loans between March 2016 and March 2018. L... (3 pages)View decision -
Decision Reference DRN5033808
9 Oct 2019 Provident Personal Credit Limited Not upheldBanking and creditMr M complains that he sent a request to Provident Personal Credit Limited (trading as Satsuma Loans) to withdraw from his loan but this wasn’t actioned and he was charged an additional amount when his loan was settled. backgroundMr M entered into a loan agreement with Satsuma Loans on 11 ... (2 pages)View decision -
Decision Reference DRN3482075
8 Oct 2019 Provident Personal Credit Limited Not upheldBanking and creditMr W complains that Provident Personal Credit Limited (trading as Satsuma Loans) lent money to him that he couldn’t afford to repay.backgroundMr W entered into two instalment loans with Satsuma Loans.LoanAmountDateTermRepaid 1£50030 Sep 20173 months25 Jan 20182£1,20004 Nov 201712 monthsMr ... (2 pages)View decision -
Decision Reference DRN1588157
8 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMiss G complains about three instalment loans that she took out with Provident Personal Credit Limited, trading as Satsuma Loans, (“SL”), which she said were unaffordable.backgroundMiss G was given three instalment loans by SL from January 2015 to May 2018. A summary of the loans taken out... (4 pages)View decision -
Decision Reference DRN3253477
7 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMr M complains about instalment loans that he took out with Provident Personal Credit Limited, trading as Satsuma Loans, (“SL”), which he said were unaffordable. The complaint was brought to this service on Mr M’s behalf by a claims management company. But for ease, I shall refer below to ... (6 pages)View decision -
Decision Reference DRN8313451
4 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMr R complains that Provident Personal Credit Limited (trading as Satsuma) lent to him in an irresponsible manner.backgroundMr R was given five loans by Satsuma between August 2015 and August 2017. The first three loans were repayable in 52 weekly instalments. Loan 4 was repayable in eight... (4 pages)View decision -
Decision Reference DRN4224026
4 Oct 2019 Provident Personal Credit Limited Not upheldBanking and creditMr B says Provident Personal Credit Limited (trading as Satsuma) lent to him irresponsibly.backgroundMr B had one loan with Satsuma, commencing 21 July 2017. He borrowed £120 and it was repayable over three months in instalments of about £59 per month.Our adjudicator considered the complai... (2 pages)View decision -
Decision Reference DRN-1054552
3 Oct 2019 Provident Personal Credit Limited UpheldConsumer CreditThe complaint Ms S says Provident Personal Credit Limited (trading as Satsuma) lent to her irresponsibly. Ms S has also said Satsuma provided poor customer service when handling her complaint and in responding to her financial difficulties. What happened Ms S had two loans with Satsuma. Th... (3 pages)View decision -
Decision Reference DRN4356333
2 Oct 2019 Provident Personal Credit Limited UpheldBanking and creditMr C complains that Provident Personal Credit Limited (trading as Satsuma Loans) was irresponsible in its lending to him.backgroundBased on the information, Satsuma Loans provided Mr C with three loans between March 2016 and August 2017. Mr C says he couldn’t afford the loans and that that... (3 pages)View decision