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 DRN3898728
11 Oct 2018 Provident Personal Credit Limited UpheldBanking and creditMr H says Provident Personal Credit Limited, trading as Satsuma, lent to him irresponsibly.background I sent Mr H and Satsuma my provisional decision on this complaint on 22 September 2018. A copy is attached and forms part of this final decision. As the full backgrou... (4 pages)View decision -
Decision Reference DRN1955372
10 Oct 2018 Provident Personal Credit Limited Not upheldBanking and creditMr F complains that Provident Personal Credit Limited (“Provident”) lent to him irresponsibly. backgroundMr F took out two loans with Provident in 2012. One for £300 in March was settled a few months later but he took another loan out in September for £500 and this ... (2 pages)View decision -
Decision Reference DRN3150000
10 Oct 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss J says that Provident Personal Credit Limited (“Provident”) irresponsibly lent to her.backgroundMiss J took out five loans with Provident between June 2012 and September 2013. As follows: openedamountsettledloan 1June 2012 400 June 2013loan 2 September 2012 200 June 2... (2 pages)View decision -
Decision Reference DRN5635265
2 Oct 2018 Provident Personal Credit Limited Not upheldBanking and creditMrs M complains that Provident Personal Credit Limited (trading as Satsuma Loans) made short-term loans to her when it shouldn’t have.backgroundIn 2016 Satsuma made 2 instalment loans to Mrs M. By early 2017 she’d repaid them both. In August 2017 Mrs M complained tha... (3 pages)View decision -
Decision Reference DRN7263139
30 Sep 2018 Provident Personal Credit Limited UpheldBanking and creditMiss K complains Provident Personal Credit Limited issued her loans which were unaffordable. She wants to have the interest refunded.backgroundMiss K tells us she took out eight loans with Provident between March 2008 and December 2014. She says she doesn’t think Provid... (3 pages)View decision -
Decision Reference DRN1008160
26 Sep 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss O complains that Provident Personal Credit Limited (Provident) has loaned to her irresponsibly.backgroundMiss O took out nine loans with Provident between 2010 and June 2012. This complaint refers to the last three loans as both sides agree that the earlier loa... (2 pages)View decision -
Decision Reference DRN5222319
26 Sep 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss E complains that Provident Personal Credit Limited (“Provident”) has lent irresponsibly to her.backgroundMiss E took out several loans with Provident between 2009 and 2015 for sums between £100 and £500. This complaint refers to loans taken out between 2012 and 20... (2 pages)View decision -
Decision Reference DRN2802780
25 Sep 2018 Provident Personal Credit Limited UpheldBanking and creditMiss F has complained that Provident Personal Credit Limited lent to her irresponsibly.background Miss F has taken out a total of 27 loans with Provident, the first being on 25 June 2012. Typically, she's had more than one loan active at a time, and some of eac... (4 pages)View decision -
Decision Reference DRN7349412
25 Sep 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss R complains that Provident Personal Credit Limited (trading as Satsuma Loans) provided her with unaffordable instalment loans. She wants a refund of the interest and charges she paid, with interest, and for her credit file to be amended.backgroundMiss R had two loa... (2 pages)View decision -
Decision Reference DRN2727504
23 Sep 2018 Provident Personal Credit Limited Not upheldBanking and creditMs L complains that Provident Personal Credit Limited (Provident) lent money irresponsibly to her.backgroundMs L says Provident never asked for any proof of her income or outgoings to see if she could afford them. But she was a single parent receiving a part time w... (2 pages)View decision