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 DRN4899613
7 Apr 2017 Provident Personal Credit Limited Not upheldBanking and creditMr S complains that Provident Personal Credit Limited trading as Satsuma Loans gave him an instalment loan he couldn’t afford to repay.backgroundMr S took out one instalment loan with Satsuma in September 2016. Our adjudicator has looked into Mr S’s complaint. He thought... (2 pages)View decision -
Decision Reference DRN8744843
4 Apr 2017 Provident Personal Credit Limited Not upheldBanking and creditMr M complains, in summary, that Provident Personal Credit Limited, trading as glo,(“Provident”), provided him with unsatisfactory account management, customer service andcomplaint handling.background Mr M took out a loan with Provident in September 2015. The loan was for... (8 pages)View decision -
Decision Reference DRN8267054
27 Mar 2017 Provident Personal Credit Limited Not upheldBanking and creditMr S complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave him instalment loans that he couldn’t afford to repay. He wants it to refund the interest he paid and remove the loans from his credit file.backgroundMr S had four instalment loans f... (2 pages)View decision -
Decision Reference DRN1062852
21 Mar 2017 Provident Personal Credit Limited Not upheldBanking and creditMr A complains that Provident Personal Credit Limited acted irresponsibly in lending to him when he was already in financial difficulty, and continued to increase its lending without checking that it was affordable by him.backgroundMr A says he contacted Provident in ... (3 pages)View decision -
Decision Reference DRN3051824
15 Mar 2017 Provident Personal Credit Limited Not upheldBanking and creditMr M complains that Provident Personal Credit Limited (the business) did not send him a default notice and that the default date recorded on his credit file is later than it should have been.backgroundMr M entered into a finance agreement with the business in 2009. ... (3 pages)View decision -
Decision Reference DRN2702346
14 Mar 2017 Provident Personal Credit Limited Not upheldBanking and creditMr S complains that Provident Personal Credit Limited didn’t carry out proper affordability checks and irresponsibly granted him unaffordable loans. He wants the interest refunded.backgroundProvident said in its final response that most loans were given between 2008 and ... (2 pages)View decision -
Decision Reference DRN3118621
14 Mar 2017 Provident Personal Credit Limited Not upheldBanking and creditMr A complains about a loan he took out with Provident Personal Credit Limited t/a Satsuma. He believes the loan was unaffordable and that it should never have been agreed. backgroundMr A took out a 12 month loan for £800 in April 2015. The monthly repayments were ... (2 pages)View decision -
Decision Reference DRN1424214
7 Mar 2017 Provident Personal Credit Limited Not upheldBanking and creditMiss S complains that the loan she received from Provident Personal Credit Limited (trading as ‘Real’) wasn’t affordable.backgroundMiss S took the loan out in 2009. She later complained to Provident that it hadn’t been affordable. And, being unhappy with its respons... (2 pages)View decision -
Decision Reference DRN2779944
22 Feb 2017 Provident Personal Credit Limited Not upheldBanking and creditMr W complains that Provident Personal Credit Limited (Provident) pressured him into taking out inappropriate loans. He wants Provident to stop offering him loans by letter and during home visits, and to cancel the three loans he currently has outstanding. He is repre... (3 pages)View decision -
Decision Reference DRN8999310
20 Feb 2017 Provident Personal Credit Limited Not upheldBanking and creditMr M complains about loans he has with Provident Personal Credit Limited. In particular, he’s unhappy about information recorded on his credit file and believes it’s incorrect. backgroundMr M has several loans with Provident and has noticed loans are recorded as being mo... (2 pages)View decision