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
-
Decision Reference DRN5529170
11 Oct 2017 Provident Personal Credit Limited Not upheldBanking and creditMr K is complaining that Provident Personal Credit Limited hasn’t been sending him annual statements for his loan.backgroundMr K took out a loan with Provident in November 2014. In March 2017, Mr K complained to Provident as he said it hadn’t sent him (or his guarantor)... (2 pages)View decision -
Decision Reference DRN8790079
10 Oct 2017 Provident Personal Credit Limited Not upheldBanking and creditMr P complains that Provident Personal Credit Limited lent him money irresponsibly.backgroundThe background to this complaint and my provisional findings are set out in my provisional decision dated 19 July 2017 – a copy is attached and this forms part of my final d... (7 pages)View decision -
Decision Reference DRN8122704
9 Oct 2017 Provident Personal Credit Limited Not upheldBanking and creditMr B complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him a loan that he couldn’t afford to repay.backgroundMr B has used a claims management company (CMC) to help make his complaint.Mr B was given one loan by Satsuma in May 2016. He b... (2 pages)View decision -
Decision Reference DRN4918678
6 Oct 2017 Provident Personal Credit Limited UpheldBanking and creditMr S and his representative complain that Provident Personal Credit Limited (trading as Satsuma Loans) didn’t carry out proper affordability checks and irresponsibly granted him unaffordable short term loans. background Satsuma Loans said in its final response that Mr S ... (2 pages)View decision -
Decision Reference DRN4026646
25 Sep 2017 Provident Personal Credit Limited Not upheldBanking and creditMiss F complains that Provident Personal Credit Limited ought not to have lent to her as she couldn’t afford to borrow from it.our initial conclusionsOur adjudicator didn’t recommend that Miss F’s complaint should be upheld. She thought that Provident had done sufficient ch... (2 pages)View decision -
Decision Reference DRN0579735
21 Sep 2017 Provident Personal Credit Limited Not upheldBanking and creditMrs F isn’t happy because she says that Provident Personal Credit Limited mis-sold her home credit loans. backgroundMrs F took out around 17 home credit loans between 2013 and 2016. She says that Provident shouldn’t have lent her money she couldn’t afford to pay back. ... (2 pages)View decision -
Decision Reference DRN9119441
20 Sep 2017 Provident Personal Credit Limited Not upheldBanking and creditMs B complains that Provident Personal Credit Limited has changed its position on when her payments are due.background Ms B has had a number of loans with the business. In relation to each, she says that she has made payments on a Tuesday afternoon.In relation to ... (2 pages)View decision -
Decision Reference DRN6955626
8 Sep 2017 Provident Personal Credit Limited Not upheldBanking and creditMr F complains about an instalment loan he took out with Provident Personal Credit Limited (trading as Satsuma Loans). He says Satsuma didn’t carry out enough checks, and had it done so, it wouldn’t have given him the loan. backgroundMr F had one instalment loan of £1... (2 pages)View decision -
Decision Reference DRN2149731
6 Sep 2017 Provident Personal Credit Limited Not upheldBanking and creditMr J complains that Provident Personal Credit Limited, trading as Satsuma, gave him a loanhe couldn't afford to repay.backgroundOn 10 October 2015, Provident gave Mr J a loan of £320, repayable at the rate of £152.50 a month. Mr J made payments amounting to £140.88 ... (2 pages)View decision -
Decision Reference DRN9660749
18 Aug 2017 Provident Personal Credit Limited Not upheldBanking and creditMr E complains that loans he received from Provident Personal Credit Limited (Provident) weren’t affordable. backgroundMr E took out two loans in 2013. He later complained to Provident that they hadn’t been affordable. Provident said that the income and expenditure forms... (2 pages)View decision