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 DRN7785411
26 Jun 2019 Provident Personal Credit Limited UpheldBanking and creditMr A complains that Provident Personal Credit Limited trading as Satsuma Loans irresponsibly made two loans to him that he could not afford to repay. He wants a refund of payments made and compensation.background Mr A tells us he took out two loans, in 2014 and 20... (3 pages)View decision -
Decision Reference DRN1755300
10 Jun 2019 Provident Personal Credit Limited Not upheldBanking and creditMs A complains that Provident Personal Credit Limited (“Provident”) approved her for loans without making checks to see if they were affordable for her. She also says it was irresponsible in lending to her because she was on a limited income. She wants the interest ... (3 pages)View decision -
Decision Reference DRN6836567
20 May 2019 Provident Personal Credit Limited Not upheldBanking and creditMiss M says Provident Personal Credit Limited, trading as Satsuma Loans, lent to her irresponsibly.backgroundMiss M had five short-term loans with Satsuma. Our adjudicator set out the details of the loans in his letter, which both parties have seen, so I won’t reiterat... (3 pages)View decision -
Decision Reference DRN3571421
17 May 2019 Provident Personal Credit Limited Not upheldBanking and creditMiss D complains that Provident Personal Credit Limited (trading as Satsuma) has continued to apply interest to her loan after she advised it that she was experiencing financial difficulties and was working within a debt management plan. backgroundIn 2017 Miss D took a... (2 pages)View decision -
Decision Reference DRN6445981
1 May 2019 Provident Personal Credit Limited UpheldBanking and creditMr O complains that Provident Personal Credit Limited (trading as Satsuma) offered him unsuitable loans. Mr O wants Satsuma to refund the interest that he’s paid on the loans and apply the refund to the outstanding balance on his final loan. Mr O wants Satsuma to remo... (4 pages)View decision -
Decision Reference DRN1435578
23 Apr 2019 Provident Personal Credit Limited Not upheldBanking and creditMr A has complained that Provident Personal Credit Limited (trading as Satsuma) has charged too much interest when it has provided a settlement figure to him to repay a loan.backgroundIn 3rd July 2018 Mr A took out a short term loan with Satsuma. He borrowed £200 an... (2 pages)View decision -
Decision Reference DRN2564745
30 Mar 2019 Provident Personal Credit Limited Not upheldBanking and creditMr A complains that Provident Personal Credit Limited (trading as Satsuma Loans) was irresponsible to lend to him.backgroundMr A had two loans from Satsuma Loans between March 2018 and May 2018 as follows:Loan Date AmountTermRepayment DueRepaid 120 Mar 2018£90012m£149.401 ... (2 pages)View decision -
Decision Reference DRN2184362
24 Mar 2019 Provident Personal Credit Limited Not upheldBanking and creditMiss W complains that Provident Personal Credit Limited (trading as Satsuma) is reporting arrears on her credit file incorrectly when she is in an arrangement to pay. She complains that she was never told about the impact of entering into the arrangement.backgroundMi... (3 pages)View decision -
Decision Reference DRN8337581
23 Mar 2019 Provident Personal Credit Limited Not upheldBanking and creditMr A complains that Provident Personal Credit Limited (trading as Satsuma Loans) lent him money that he couldn’t afford to repay.Mr A wants Satsuma to pay him compensation.backgroundMr A took out three instalment loans with Satsuma. The first in December 2015 was for £6... (3 pages)View decision -
Decision Reference DRN0997517
19 Mar 2019 Provident Personal Credit Limited Not upheldBanking and creditMrs H complains that Provident Personal Credit Limited (trading as Satsuma Loans) lent her money without carrying out adequate checks to make sure she could afford to repay the loans.Mrs H wants Satsuma to pay her compensation and amend her credit file.backgroundMrs H... (3 pages)View decision