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 DRN3506354
14 Aug 2019 Provident Personal Credit Limited Not upheldBanking and creditMr S says Provident Personal Credit Limited (trading as Satsuma loans) irresponsibly lent to him.backgroundThis complaint is about five instalment loans Satsuma provided to Mr S between February 2017 and July 2018. Mr S’s lending history is as follows: Loan one taken on 12 February 2017 f... (3 pages)View decision -
Decision Reference DRN6066283
14 Aug 2019 Provident Personal Credit Limited UpheldBanking and creditMiss W says Provident Personal Credit Limited (“PPC”) irresponsibly lent to her. backgroundThis complaint is about two home credit loans and I’ve put a few details about them below:loandate takenamount borrowedtermamount duedate repaid129 September 2014£30032 weeks£15 per week4 May 201521... (4 pages)View decision -
Decision Reference DRN2620575
13 Aug 2019 Provident Personal Credit Limited UpheldBanking and creditMiss D says Provident Personal Credit Limited (“Provident”) irresponsibly lent to her.backgroundThis complaint is about eight home collected credit loans that Provident provided to Miss D from March 2010 onwards. Miss D’s last loan was provided in May 2013.Our adjudicator upheld Miss D’s c... (3 pages)View decision -
Decision Reference DRN1241607
8 Aug 2019 Provident Personal Credit Limited UpheldBanking and creditMr P says Provident Personal Credit Limited, trading as Satsuma Loans, lent to him irresponsibly.backgroundMr P had nine loans with Satsuma. I’ve summarised some of the information Satsuma provided about the loans in the table below.Loan no.Issued DateLoan amountTermWeekly/monthly amount E... (3 pages)View decision -
Decision Reference DRN2344873
5 Aug 2019 Provident Personal Credit Limited UpheldBanking and creditMs E says Provident Personal Credit Limited irresponsibly lent to her. She says that if the correct checks had been made then Provident wouldn’t have approved the loans.backgroundOur adjudicator thought the complaint should be partially upheld. Provident disagreed with the adjudicator’s op... (4 pages)View decision -
Decision Reference DRN2032732
5 Aug 2019 Provident Personal Credit Limited UpheldBanking and creditMr Y 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 Y’s behalf by a claims management company. But for ease, I shall refer below to... (6 pages)View decision -
Decision Reference DRN5769485
1 Aug 2019 Provident Personal Credit Limited Not upheldBanking and creditMr C complains that Provident Personal Credit Limited (trading as Satsuma) did not carry out appropriate affordability and credit checks before lending to him and that the lending adversely affected his credit file.backgroundMr C had three loans from Satsuma between July 2017 and February ... (2 pages)View decision -
Decision Reference DRN7113460
29 Jul 2019 Provident Personal Credit Limited Not upheldBanking and creditMr C says Provident Personal Credit Limited (trading as Satsuma) lent him money that he couldn’t afford to repay.backgroundMr C took out two instalment loans with Satsuma between January and February 2016. I’ve included more information about the loans below:loan date takenamount borrowed ... (3 pages)View decision -
Decision Reference DRN1134994
8 Jul 2019 Provident Personal Credit Limited Not upheldBanking and creditMr H complains that Provident Personal Credit Limited, trading as Satsuma, lent to him in an irresponsible manner and didn’t respond to his complaint. backgroundMr H took out two instalment loans with Satsuma. In January 2018, Mr H took out a loan of £200, repayable in three instalments en... (3 pages)View decision -
Decision Reference DRN3067976
8 Jul 2019 Provident Personal Credit Limited UpheldBanking and creditMs C says Provident Personal Credit Limited irresponsibly lent to her. She says that all of the loans weren’t affordable and she struggled to make the repayments to them. backgroundThis complaint is about 13 home credit loans Provident provided to Ms C between July 2007 and July 2018. Ms C... (3 pages)View decision