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 DRN6931529
9 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMr O complains that Provident Personal Credit Limited (trading as Satsuma) gave him loans that he couldn’t afford.backgroundMr O took out four instalment loans with Satsuma between August 2016 and March 2018. At the time of his complaint loan 4 was still running and I haven’t seen any info... (4 pages)View decision -
Decision Reference DRN0836102
6 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMr M complains that Provident Personal Credit Limited (trading as Satsuma) gave him loans that he couldn’t afford to pay back.backgroundMr M took out six instalment loans with Satsuma between December 2015 and November 2017. At the time of his complaint there was a balance outstanding on M... (4 pages)View decision -
Decision Reference DRN3234203
4 Sep 2019 Provident Personal Credit Limited Not upheldBanking and creditMr O says Provident Personal Credit Limited, trading as Satsuma Loans, lent to him irresponsibly.backgroundMr O had two loans with Satsuma. I’ve summarised some of the information Satsuma provided about the loans in the table below.Loan no.AmountStart dateTermPayments due 1 £25009/12/20131... (2 pages)View decision -
Decision Reference DRN1433237
2 Sep 2019 Provident Personal Credit Limited UpheldBanking and creditMr H says Provident Personal Credit Limited “Provident” irresponsibly lent to him.backgroundThis complaint is about one payday loan Provident provided to Mr H on 10 July 2017 for £700. The loan was due to be repaid in 12 instalments of £116.20.Our adjudicator upheld Mr H’s complaint and th... (3 pages)View decision -
Decision Reference DRN0207149
27 Aug 2019 Provident Personal Credit Limited UpheldBanking and creditMr P complains that Provident Personal Credit Limited (trading as Satsuma) lent to him in an irresponsible manner.backgroundMr P was given ten loans by Satsuma between March 2015 and October 2016. Each of the loans was due to be repaid in weekly or monthly instalments. Mr P successfully re... (4 pages)View decision -
Decision Reference DRN1728878
23 Aug 2019 Provident Personal Credit Limited UpheldBanking and creditMr S says Provident Personal Credit Limited (“Provident”) irresponsibly lent to him.backgroundThis complaint is about three home collected credit loans that Provident provided to Mr S between September 2007 and November 2008. Our adjudicator upheld Mr S’ complaint about loans two and three... (2 pages)View decision -
Decision Reference DRN6810811
22 Aug 2019 Provident Personal Credit Limited UpheldBanking and creditMr G complains that Provident Personal Credit Limited trading as Satsuma Loans was irresponsible when it provided a number of loans to him.backgroundThis complaint is about seven short-term high-cost instalment loans Satsuma provided to Mr G between September 2014 and June 2015. I've ... (5 pages)View decision -
Decision Reference DRN0082431
20 Aug 2019 Provident Personal Credit Limited Not upheldBanking and creditComplaintMr S complains that Provident Personal Credit Limited (trading as Satsuma) lent to him irresponsibly.BackgroundMr S took out one instalment loan with Satsuma in March 2018. Mr S was due to repay the £700 loan by three monthly instalments of £344 each. Mr S says that Satsuma contin... (2 pages)View decision -
Decision Reference DRN7361867
16 Aug 2019 Provident Personal Credit Limited UpheldBanking and creditK821x£15 complaintMr P complains that Provident Personal Credit Limited (trading as Satsuma Loans) was irresponsible to lend to him.backgroundMr P had seven loans from Satsuma between August 2014 and June 2016 as follows:Loan Date AmountTermRepayment* DueRepaid 17 Aug 2014£30013w£140.017 N... (4 pages)View decision -
Decision Reference DRN6207203
15 Aug 2019 Provident Personal Credit Limited Not upheldBanking and creditMr H complains about two instalment loans that he took out with Provident Personal Credit Limited (trading as Satsuma Loans), (“SL”), which he said were unaffordable.backgroundMr H was given two instalment loans by SL in July 2018. A summary of the loans taken out by Mr H is shown below:Lo... (3 pages)View decision