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 DRN0206467
25 Jul 2018 Provident Personal Credit Limited UpheldBanking and creditMr M complains in summary that Provident Personal Credit Limited, trading as Provident, provided him with six instalment loans which were unaffordable.backgroundMr M took out six instalment loans from Provident between June 2015 and April 2017 as follows:Loan numberDate... (6 pages)View decision -
Decision Reference DRN5719518
25 Jul 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss B complains that Provident Personal Credit Limited (trading as Satsuma) gave her loans that she couldn’t afford to repay.backgroundMiss B was given three loans by Satsuma between May and September 2017. The first loan was repayable in six monthly instalments but was ... (2 pages)View decision -
Decision Reference DRN1116423
12 Jul 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss M complains that Provident Personal Credit Limited (“PPC”) engaged in irresponsible lending to her.backgroundMiss M says one of the loans she took out with PPC was in 2012. She says the agent didn’t explain it was being separated into three smaller loans of £5... (2 pages)View decision -
Decision Reference DRN4428372
10 Jul 2018 Provident Personal Credit Limited Not upheldBanking and creditMrs W complains that Provident Personal Credit Limited (“PPC”) engaged in irresponsible lending to her.backgroundMrs W says she was encouraged by PPC to take out larger and larger loans, even though it meant not paying essential bills to keep up the payments. She say... (2 pages)View decision -
Decision Reference DRN5459851
10 Jul 2018 Provident Personal Credit Limited Not upheldBanking and creditMrs B complains that Provident Personal Credit Limited (“PPC”) engaged in irresponsible lending to her.backgroundMrs B says PPC approved her for multiple loans in 2011 and 2012. She says she had a lot of payday loans and difficult family circumstances at the time. And ... (2 pages)View decision -
Decision Reference DRN3562074
27 Jun 2018 Provident Personal Credit Limited Not upheldBanking and creditMrs M complains that Provident Personal Credit Limited (“PPC”) engaged in irresponsible lending to her.backgroundMrs M says she’s had many loans with PPC. She says its loans trapped her into a debt spiral, with the repayments taking up so much of her wages that she ... (2 pages)View decision -
Decision Reference DRN4406924
26 Jun 2018 Provident Personal Credit Limited Not upheldBanking and creditMr D complains that Provident Personal Credit Limited (trading as Satsuma Loans) is charging him interest on a loan which was fraudulently taken out in his name by an unidentified third party.backgroundMr D says that in mid-2017 he lost his backpack, which contained hi... (2 pages)View decision -
Decision Reference DRN3370847
22 Jun 2018 Provident Personal Credit Limited UpheldBanking and creditMiss B is unhappy because she says that Provident Personal Credit Limited lent her money which she couldn’t afford to pay back. backgroundMiss B took out 19 loans with Provident between 2011 and 2015. She says that Provident didn’t do enough checks to make sure that sh... (4 pages)View decision -
Decision Reference DRN2760816
21 Jun 2018 Provident Personal Credit Limited Not upheldBanking and creditProvident Personal Credit Limited agreed four loans to Mrs G between December 2015 and December 2016. Mrs G complains that Provident was irresponsible in its lending, because she could not afford the repayments. She wants Provident to refund all interest and other cha... (3 pages)View decision -
Decision Reference DRN9936984
21 Jun 2018 Provident Personal Credit Limited Not upheldBanking and creditMr J complains that an advisor from Provident Personal Credit Limited was rude to him on the telephone.backgroundMr J spoke to an advisor from Provident in October 2017. He says that the advisor was rude and made him feel intimidated. He’s also unhappy that Provident... (1 page)View decision