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 DRN6723941
20 Dec 2016 Provident Personal Credit Limited Not upheldBanking and creditMrs C and her representative complain that Provident Personal Credit Limited didn’t carry out proper affordability checks and irresponsibly granted her loans. They say she was experiencing financial difficulties and was heavily reliant on short term credit. If it’d checke... (2 pages)View decision -
Decision Reference DRN4024810
20 Dec 2016 Provident Personal Credit Limited Not upheldBanking and creditMr L complains about a number of loans he took out with Provident Personal Credit Limited. He says he couldn’t afford the loans and thinks they should never have been granted. backgroundMr L took out 12 home credit loans from 2008 through to late 2012. The loans rang... (2 pages)View decision -
Decision Reference DRN4932976
20 Dec 2016 Provident Personal Credit Limited Not upheldBanking and creditMr W took out several loans with Provident Personal Credit Limited, trading as Satsuma Loans (Satsuma). He complains that it was irresponsible in its lending to him and he would like all of the interest he has paid to be refunded.backgroundMr W complained to Satsuma... (2 pages)View decision -
Decision Reference DRN9348926
15 Dec 2016 Provident Personal Credit Limited Not upheldBanking and creditMr J complains that Provident Personal Credit Limited lent him money irresponsibly. backgroundMr J borrowed £500 from Provident in March 2013. He agreed to pay back £910 at £17.50 a week but struggled with repayments. Mr J thinks Provident would have realised the lo... (2 pages)View decision -
Decision Reference DRN4325148
14 Dec 2016 Provident Personal Credit Limited UpheldBanking and creditMr D has complained about two loans taken out with Provident Personal Credit Limited, trading as Satsuma Loans (“Satsuma” or “the lender”).backgroundSatsuma agreed two loans for Mr D – one for £250 in September 2014 and a second in March 2016 for an amount of £500. Both... (2 pages)View decision -
Decision Reference DRN0835092
2 Dec 2016 Provident Personal Credit Limited Not upheldBanking and creditMr M complains that Provident Personal Credit Limited charged him excessive interest on two fixed sum loan agreements.backgroundMr M entered into a £500 loan with Provident in February 2012 and a £350 loan in July 2012. Both required weekly payments. Mr M says that the i... (2 pages)View decision -
Decision Reference DRN0808476
23 Nov 2016 Provident Personal Credit Limited Not upheldBanking and creditMr S complains Provident Personal Credit Limited didn’t carry out proper affordability checks and irresponsibly granted him unaffordable loans. He says it put him into financial hardship. He wants the charges and interest refunded and his credit file amended.backgroundProv... (2 pages)View decision -
Decision Reference DRN8647569
21 Nov 2016 Provident Personal Credit Limited Not upheldBanking and creditMiss B complains Provident Personal Credit Limited didn’t carry out proper affordability checks and irresponsibly granted her unaffordable loans. She says the loan amounts increased significantly and she’d payday loans and defaults on her credit file. She wants the cha... (2 pages)View decision -
Decision Reference DRN7960508
17 Nov 2016 Provident Personal Credit Limited UpheldBanking and creditMs L complains that Provident Personal Credit Limited hasn’t helped her after she told it of her financial difficulties resulting from an accident, serious health and personal issues. She wants a refund of the charges she’s paid.backgroundProvident said in its final respo... (3 pages)View decision -
Decision Reference DRN5611943
14 Nov 2016 Provident Personal Credit Limited UpheldBanking and creditMr W complains that Provident Personal Credit Limited lent to him without carrying out proper checks. backgroundMr W borrowed 27 door step loans from Provident between May 2009 and April 2014. In March 2016 he complained to Provident that the loans were unaffordable a... (2 pages)View decision