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 DRN1287157
15 Feb 2019 Provident Personal Credit Limited Not upheldBanking and creditMr T complains that Provident Personal Credit Limited trading as Satsuma charged him an excessive amount of interest on his loan. Mr T is unhappy that the interest was pre- calculated and doesn’t think that Satsuma explained this to him. backgroundMr T took out a loan... (2 pages)View decision -
Decision Reference DRN6087960
11 Feb 2019 Provident Personal Credit Limited Not upheldBanking and creditMs W complains that Provident Personal Credit Limited, trading as Satsuma, gave her loans she couldn’t afford to pay back.backgroundBetween August 2015 and March 2017 Ms W borrowed five times from Satsuma, she repaid all of the loans except the last one which still ha... (3 pages)View decision -
Decision Reference DRN1814742
5 Feb 2019 Provident Personal Credit Limited UpheldBanking and creditMr H complains about the short term loans he took out with Provident Personal Credit Limited trading as Satsuma Loans. Mr H says that it failed to perform an appropriate creditworthiness assessment as it was required to do under FCA regulations. Mr H says if it had ... (5 pages)View decision -
Decision Reference DRN7566320
4 Feb 2019 Provident Personal Credit Limited Not upheldBanking and creditMrs C complains that Provident Personal Credit Limited lent her money irresponsibly because they failed to carry out proper affordability checks before the loans were agreed.backgroundMrs C took out a total of 12 loans with Provident between June 2005 and November 2014... (2 pages)View decision -
Decision Reference DRN4572271
29 Jan 2019 Provident Personal Credit Limited Not upheldBanking and creditMr P complains that Provident Personal Credit Limited was irresponsible in lending him money.backgroundMr P took out a number of loans with Provident between February 2013 and January 2014. The first four loans which ranged between £100 and £350 were taken out between ... (2 pages)View decision -
Decision Reference DRN9863911
28 Jan 2019 Provident Personal Credit Limited Not upheldBanking and creditMr L complained about Provident Personal Credit Limited’s decision not to refund a repayment he’d made towards three loans he’d taken out.backgroundIn early November 2018 Mr L repaid about £50 to Provident towards three loans. He then asked for it back because he said ... (2 pages)View decision -
Decision Reference DRN6454199
28 Jan 2019 Provident Personal Credit Limited Not upheldBanking and creditMiss T complains that Provident Personal Credit Limited (“Provident”) were irresponsible to provide her with credit as she clearly couldn’t afford it at the time.background Miss T took out five loans with Provident as follows: Date Amount November 2012 150 April 201... (2 pages)View decision -
Decision Reference DRN5903199
23 Jan 2019 Provident Personal Credit Limited Not upheldBanking and creditMrs W complains that changes Provident Personal Credit Limited (“Provident”) made to the way it conducted its business resulted in arrears accruing on her loan accounts with Provident.backgroundMrs W took out two loans with Provident, the first in September 2016 and... (3 pages)View decision -
Decision Reference DRN7228025
23 Jan 2019 Provident Personal Credit Limited Not upheldBanking and creditMr W complains that changes Provident Personal Credit Limited (“Provident”) made to the way it conducted its business resulted in arrears accruing on his loan accounts with Provident.backgroundMr W took out two loans with Provident, the first in September 2016 and th... (3 pages)View decision -
Decision Reference DRN2443620
22 Jan 2019 Provident Personal Credit Limited Not upheldBanking and creditMiss R complains that Provident Personal Credit Limited lent her money irresponsibly because they failed to carry out proper affordability checks before the loans were agreed. backgroundMiss R took out 5 loan agreements with Provident as follows: Loan agreement 7 A... (2 pages)View decision