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 DRN9113524
23 Nov 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss W complains Provident Personal Credit Limited irresponsibly lent her money she couldn’t afford to repay. She wants the interest on the loans to be refunded.backgroundMiss W tells us she took out a loan with Provident and was only half way through repaying it whe... (3 pages)View decision -
Decision Reference DRN2569752
22 Nov 2018 Provident Personal Credit Limited Not upheldBanking and creditMrs C complains that Provident Personal Credit Limited mis-sold her seven home credit loans in 2015 and 2016.backgroundMrs C took out eight home credit loans with Provident, one in 2009 and the others between March 2015 and December 2016. In early 2017 she stopped making ... (3 pages)View decision -
Decision Reference DRN5471216
22 Nov 2018 Provident Personal Credit Limited Not upheldBanking and creditMr P complains that Provident Personal Credit Limited (trading as Satsuma Loans) lent him money he couldn’t afford to repay.backgroundMr P took two instalment loans with Satsuma. The first in September 2016 was for £500. Satsuma expected Mr P to repay the loan over 5... (2 pages)View decision -
Decision Reference DRN8609184
20 Nov 2018 Provident Personal Credit Limited UpheldBanking and creditMrs W complains that it was irresponsible for Provident Personal Credit Limited to have made three loans to her and that the loans were unaffordable for her.background Mrs W entered into three fixed sum loan agreements with Provident Personal Credit between August 2009... (3 pages)View decision -
Decision Reference DRN5497168
20 Nov 2018 Provident Personal Credit Limited Not upheldBanking and creditMr H complains that a loan he was given by Provident Personal Credit Limited (“Provident”) was unaffordable and irresponsibly lent.backgroundOn occasion Mr H has been represented by his partner in this complaint but for ease I will refer to Mr H throughout my decision,... (3 pages)View decision -
Decision Reference DRN5690922
5 Nov 2018 Provident Personal Credit Limited Not upheldBanking and creditMr B complains that Provident Personal Credit Limited (Provident) has unfairly sought a debt from him that he had already paid.backgroundIn early May 2017 Mr B took out a £200 cash loan with Provident. This loan was to be repaid over 13 weeks with a weekly payment... (3 pages)View decision -
Decision Reference DRN7743803
5 Nov 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss M complains that Provident Personal Credit Limited (“Provident”) lent to her irresponsibly.backgroundBetween 2011 and 2016 Miss M took out six loans with Provident. We are not able to look at complaints that relate to issues more than six years old so we are only ... (3 pages)View decision -
Decision Reference DRN9628663
22 Oct 2018 Provident Personal Credit Limited Not upheldBanking and creditMs S complains that loans Provident Personal Credit Limited (“Provident”) made to her were unaffordable by her, and Provident didn’t carry out proper checks to find this out before it lent to her.backgroundProvident made a total of eight loans to Ms S between July 2... (2 pages)View decision -
Decision Reference DRN9385529
18 Oct 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss P complains that the loans applied for and approved by Provident Personal Credit Limited, trading as Satsuma loans (“Satsuma”), trapped her into a ‘debt spiral’. backgroundMiss P says that the repayments for these loans took so much of her wages that she had to bo... (3 pages)View decision -
Decision Reference DRN2340722
15 Oct 2018 Provident Personal Credit Limited Not upheldBanking and creditMr A complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him loans that he couldn’t afford to repay.backgroundMr A was given three loans by Satsuma between January and October 2016. Each of the loans was due to be paid in weekly instalments ... (3 pages)View decision