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 DRN3056598
30 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMr S says Provident Personal Credit Limited, trading as Satsuma, lent to him irresponsibly. Mr S says that he couldn’t afford the loan repayments and he wasn’t creditworthy. So he thinks that Satsuma shouldn’t have lent to him. backgroundOur adjudicator thought the complaint should be part... (4 pages)View decision -
Decision Reference DRN4799100
30 Sep 2019 Provident Personal Credit Limited Not upheldBanking and creditMrs B says Provident Personal Credit Limited (trading as Satsuma) lent her money that she couldn’t afford to repay.backgroundMrs B took out one instalment loan with Satsuma in December 2015. Mrs B was due to repay the loan by 52 weekly repayments of £26.79.Mrs B doesn’t consider that Satsu... (3 pages)View decision -
Decision Reference DRN0371981
30 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMr F, represented by a third party, complains that Provident Personal Credit Limited (trading as Satsuma) lent money to him that he couldn’t afford to repay.backgroundBased on the information provided, Mr F entered into four loans with Satsuma between July 2016 and November 2017.LoanAmount... (3 pages)View decision -
Decision Reference DRN0245653
30 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMr G, represented by a claims management company (CMC), 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 G with six loans between September 2... (3 pages)View decision -
Decision Reference DRN6462247
26 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMs W complains that Provident Personal Credit Limited (trading as Satsuma) gave her loans she couldn’t afford to repay. She asks that it refunds interest and charges, with 8% interest, removes all record of the loans from her credit file and pays compensation for the hardship the loans cau... (3 pages)View decision -
Decision Reference DRN4908403
25 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMiss B complains that Provident Personal Credit Limited (trading as Satsuma) was irresponsible to agree to lend to her. Miss B wants Satsuma to clear the outstanding balances on the loans, refund the interest that she paid and remove them from her credit file.backgroundMiss B took out two ... (4 pages)View decision -
Decision Reference DRN5715381
24 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMr C complains that Provident Personal Credit Limited (trading as Satsuma) was irresponsible to lend to him.backgroundMr C had four loans from Satsuma between January 2017 and January 2018 as follows:Loan Date AmountTermRepayment Due Repaid 124 Jan 2017£1,0003m£492.0024 Apr 2017On time23 A... (3 pages)View decision -
Decision Reference DRN8055518
19 Sep 2019 Provident Personal Credit Limited Not upheldBanking and creditComplaintMr S says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to him.BackgroundI sent my provisional decision on 13 August 2019. A copy of my provisional decision is attached and forms part of this final decision.My provisional decision sets out the backgroun... (4 pages)View decision -
Decision Reference DRN9211397
19 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMrs L says Provident Personal Credit Limited lent to her irresponsibly. Mrs L says the affordability assessment Provident did was vague and it didn’t find out that she couldn’t afford to repay the loans. She also says that Provident wasn’t sympathetic when she was in financial difficulty.b... (3 pages)View decision -
Decision Reference DRN3365127
18 Sep 2019 Provident Personal Credit Limited Not upheldBanking and creditMr A says Provident Personal Credit Limited (trading as Satsuma) irresponsibly lent to him.backgroundSatsuma provided Mr A with a loan for £400 in March 2018. The loan was due to be repaid in three monthly instalments of £196.80. Mr A hasn’t repaid any part of the loan and so the loan bala... (2 pages)View decision