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 DRN6519791
15 May 2018 Provident Personal Credit Limited Not upheldBanking and creditMr S complains that Provident Personal Credit Limited (trading as Satsuma Loans) lent him money without carrying out proper affordability checks.backgroundMr S borrowed £1,000 from Satsuma Loans on 25 March 2017. It was to be repaid with six monthly instalments of £31... (2 pages)View decision -
Decision Reference DRN4842014
14 May 2018 Provident Personal Credit Limited Not upheldBanking and creditMr D complains that Provident Personal Credit Limited (trading as Satsuma) lent him money even though it should have realised the repayments were unaffordable to him.backgroundMr D had three instalment loans from Satsuma taken out in July, November and December 2017.Sa... (2 pages)View decision -
Decision Reference DRN4521285
14 May 2018 Provident Personal Credit Limited UpheldBanking and creditMr B is unhappy with what Provident Personal Credit Limited (“Provident”) has offered to do to put things right as a result of irresponsibly giving him a home credit loan.backgroundMr B complained about two home credit loans he took with Provident in March 2012 and A... (4 pages)View decision -
Decision Reference DRN9103129
9 May 2018 Provident Personal Credit Limited Not upheldBanking and creditMrs O complains that Provident Personal Credit Limited failed to collect her payments.backgroundMrs O took out a loan with Provident and agreed to make weekly payments to a Provident agent. She complains that the agent stopped visiting her leaving her unable to make ... (2 pages)View decision -
Decision Reference DRN0639925
9 May 2018 Provident Personal Credit Limited Not upheldBanking and creditMs C complains that Provident Personal Credit Limited disclosed the status of a loan she held with it to her ex-partner. background Ms C says her ex-partner had promised to pay off a loan she held with PPC. She says a PPC agent told her ex-partner the loan had be... (2 pages)View decision -
Decision Reference DRN1529508
9 May 2018 Provident Personal Credit Limited Not upheldBanking and creditMr H complains that Provident Personal Credit Limited says he took out a loan for £900 when he only borrowed £600.backgroundMr H says he’d asked the PPC agent how much it would cost to have a £900 loan. He says the agent gave him the details, but he thought the ter... (2 pages)View decision -
Decision Reference DRN0125779
9 May 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss G complains that Provident Personal Credit Limited engaged in irresponsible lending to her.backgroundMiss G says she feels the loans PPC gave her were very unaffordable. She says she was allowed to borrow more without it checking her income each time. And she ... (2 pages)View decision -
Decision Reference DRN4448020
9 May 2018 Provident Personal Credit Limited Not upheldBanking and creditMr W complains about the service he received from Provident Personal Credit Limited in relation to his short term loan account.backgroundMr W says PPC didn’t check the loan was affordable to him. He says its agent stopped calling at his home to collect his payments. ... (2 pages)View decision -
Decision Reference DRN8121571
8 May 2018 Provident Personal Credit Limited UpheldBanking and creditMr R complains that Provident Personal Credit Limited was irresponsible in granting him loans.backgroundThe adjudicator has set out the background in some detail in her opinion letter and I won’t repeat it here. In short, Mr R took out a number of loans with Provident ... (2 pages)View decision -
Decision Reference DRN0289619
4 May 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss M’s complaint against Provident Personal Credit Limited (“Provident”) is that it loaned to her irresponsibly on a repeat basis from 2011 to 2013.backgroundMiss M’s complaint concerns doorstep loans sold to her by Provident from 2011 to 2013. She says that she had ... (2 pages)View decision