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 DRN5722852
4 Nov 2016 Provident Personal Credit Limited Not upheldBanking and creditMr H has complained that Provident Personal Credit Limited lent to him irresponsibly.background factsIn September 2015 Mr H borrowed £200 from Provident. But he feels the loan was unaffordable, and that Provident should’ve realised this and not lent to him.Our adjudicato... (2 pages)View decision -
Decision Reference DRN2215678
3 Nov 2016 Provident Personal Credit Limited Not upheldBanking and creditMr H complains that Provident Personal Credit Limited (trading as Glo) treated him unfairly in relation to his guarantee of a loan to a cousin.backgroundGlo lent £7,000 to Mr H’s cousin. Mr H agreed to guarantee her repayment. After she defaulted, he complained that G... (1 page)View decision -
Decision Reference DRN7243731
27 Oct 2016 Provident Personal Credit Limited UpheldBanking and creditMr E complains Provident Personal Credit Limited didn’t carry out proper affordability checks and irresponsibly granted him unaffordable loans. He wants the outstanding balance written off and the charges and interest refunded.backgroundProvident provides home credit. It sa... (2 pages)View decision -
Decision Reference DRN2703803
26 Oct 2016 Provident Personal Credit Limited UpheldBanking and creditMiss S complains Provident Personal Credit Limited didn’t carry out proper affordability checks and irresponsibly granted her unaffordable loans. She says she was given more than one loan at a time and was trapped in a lending cycle. She wants the charges and interest ref... (2 pages)View decision -
Decision Reference DRN1281192
19 Oct 2016 Provident Personal Credit Limited UpheldBanking and creditMr H complains that Provident Personal Credit Limited (trading as Satsuma Loans) put a late payment marker on his credit file in relation to his payday loan. He wants compensation for this and for the effect on him of how it dealt with his complaint. backgroundMr H had ... (3 pages)View decision -
Decision Reference DRN5795218
18 Oct 2016 Provident Personal Credit Limited Not upheldBanking and creditMs G complains that Provident Personal Credit Limited pursued her for a debt, which she said she’d already paid. They have since sold the debt to another company and she’s unhappy about that too.backgroundIn November 2015, Ms G sent a cheque to Provident for the £97.21... (2 pages)View decision -
Decision Reference DRN7263946
6 Oct 2016 Provident Personal Credit Limited UpheldBanking and creditMr R says that Provident Personal Credit Limited was irresponsible when it lent him money. He’s also unhappy about Provident’s failure to accurately update his credit file.backgroundOver the years Mr R has taken a number of loans with Provident. He was declared bankru... (4 pages)View decision -
Decision Reference DRN1028669
28 Sep 2016 Provident Personal Credit Limited Not upheldBanking and creditMr B complains that Provident Personal Credit Limited, trading as Satsuma Loans, didn’t check to see that he could afford to repay a loan it gave him in January 2015. backgroundIn January 2015, Mr B applied online for a loan of £270 from Satsuma. Mr B made three weekl... (2 pages)View decision -
Decision Reference DRN7223926
27 Sep 2016 Provident Personal Credit Limited UpheldBanking and creditMiss H complains Provident Personal Credit Limited (trading as Satsuma Loans) didn’t carry out proper affordability checks and irresponsibly granted her unaffordable loans. She was vulnerable and had mental health issues at the time. backgroundMiss H took out two loans wi... (3 pages)View decision -
Decision Reference DRN2377442
27 Sep 2016 Provident Personal Credit Limited Not upheldBanking and creditMr H complains that Provident Personal Credit Limited hasn’t properly credited payments to his account and is chasing him for a debt he doesn’t owe.backgroundMr H says that he made payments to his account and another account in the name of a family member. He says that... (1 page)View decision