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 DRN1923686
17 Mar 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss C complains that Provident Personal Credit Limited (Provident) irresponsibly lent to her. She also says that they failed to respond sympathetically to her when she contacted them and explained her financial difficulties.backgroundMiss C was approved for three lo... (3 pages)View decision -
Decision Reference DRN7684655
14 Mar 2018 Provident Personal Credit Limited Not upheldBanking and creditMr A is unhappy with the customer service provided by Provident Personal Credit Limited, trading as Provident. Mr A’s complaint is brought to this service by a family member. But for ease, I shall refer below to all actions being taken by Mr A, unless otherwise state... (2 pages)View decision -
Decision Reference DRN2760448
24 Feb 2018 Provident Personal Credit Limited Not upheldBanking and creditMrs H complains that it was irresponsible for Provident Personal Credit Limited to have lent to her and that the loans were unaffordable. She’s being helped with her complaint by her husband.backgroundProvident made five loans to Mrs H under fixed sum loan agreements... (3 pages)View decision -
Decision Reference DRN7736693
23 Feb 2018 Provident Personal Credit Limited Not upheldBanking and creditMr K complains that Provident Personal Credit Limited (Provident) have been irresponsible in lending to him.backgroundMr K took a loan with Provident in December 2016 for £700 repayable over 52 weeks. He didn’t make any weekly payments but repaid it in full in February... (3 pages)View decision -
Decision Reference DRN4194667
13 Feb 2018 Provident Personal Credit Limited Not upheldBanking and creditMiss M complains that Provident Personal Credit Limited (trading as Satsuma Loans) continued lending to her even though the repayments were unaffordable.backgroundMiss M had five loans from Satsuma Loans between May 2014 and November 2016:LoanDateAmountClosedRepaymentNot... (3 pages)View decision -
Decision Reference DRN5447197
13 Feb 2018 Provident Personal Credit Limited UpheldBanking and creditMiss B has complained Provident Personal Credit Limited lent to her irresponsibly.backgroundMiss B took out seven loans with Provident. But she feels they weren’t affordable, and it lent to her irresponsibly. The outstanding debt’s now been passed to a third party.... (3 pages)View decision -
Decision Reference DRN3327111
9 Feb 2018 Provident Personal Credit Limited Not upheldBanking and creditMrs K complains that Provident Personal Credit Limited (trading as Satsuma) gave her loans that she couldn’t afford to repay.backgroundMrs K took two loans from Satsuma. In July 2017 Mrs K borrowed £900 that she agreed to repay in six monthly instalments of £284.40. ... (3 pages)View decision -
Decision Reference DRN6363810
8 Feb 2018 Provident Personal Credit Limited UpheldBanking and creditMiss H complains that Provident Personal Credit Limited did not refund her the interest on her loan for the period when she was in a debt management plan (DMP). She also complains that it did not carry out sufficient affordability checks.background Miss H says she had ... (3 pages)View decision -
Decision Reference DRN4273768
8 Feb 2018 Provident Personal Credit Limited Not upheldBanking and creditMr J complains that Provident Personal Credit Limited (Provident) failed to collect some loan repayments and refused him a further loan.backgroundMr J took out a loan with Provident with the payments to be collected by a Customer Experience Manager (CEM). But there we... (2 pages)View decision -
Decision Reference DRN1260949
6 Feb 2018 Provident Personal Credit Limited Not upheldBanking and creditMs M complains that Provident Personal Credit Limited gave her a loan she couldn’t afford.backgroundMs M took out a home credit loan of £500 in November 2013. The amount to be repaid was £800 over 32 weeks and included a fixed amount of interest of £300. Ms M was t... (2 pages)View decision