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 DRN8226584
26 Sep 2016 Provident Personal Credit Limited UpheldBanking and creditMiss N complains that Provident Personal Credit Limited acted irresponsibly in giving her loans which were not affordable.backgroundMiss N says that at the time of the loans she was only working eight hours a week, and was given the first loan the day after her 18... (3 pages)View decision -
Decision Reference DRN9762552
20 Sep 2016 Provident Personal Credit Limited UpheldBanking and creditMiss D complains Provident Personal Credit Limited didn’t carry out proper affordability checks and irresponsibly granted her unaffordable loans. She says she had no disposable income, was in a cycle of debt and the loans worsened her position. She wants the charges and int... (2 pages)View decision -
Decision Reference DRN9892911
20 Sep 2016 Provident Personal Credit Limited Not upheldBanking and creditMiss E complains Provident Personal Credit Limited didn’t carry out appropriate checks and irresponsibly granted her unaffordable loans. She says she’d many health issues and was on a low wage. The loans weren’t explained to her and she’s unhappy about the way it’s ... (2 pages)View decision -
Decision Reference DRN5198717
12 Sep 2016 Provident Personal Credit Limited UpheldBanking and creditMr H complains that Provident Personal Credit Limited wrongly lent him money he couldn’t afford to pay back.backgroundMr H took out four loans with Provident. He said that the business didn’t carry out proper affordability checks or properly check his credit report for ot... (2 pages)View decision -
Decision Reference DRN4206678
12 Sep 2016 Provident Personal Credit Limited UpheldBanking and creditMr M complains that Provident Personal Credit Limited (trading as Satsuma) wrongly lent him money he couldn’t afford to repay.backgroundMr M took four instalment loans with Satsuma between December 2014 and December 2015, the last one remains outstanding. He complaine... (3 pages)View decision -
Decision Reference DRN4281687
5 Sep 2016 Provident Personal Credit Limited Not upheldBanking and creditdoitK820x#14 complaintMiss S complains that Provident Personal Credit Limited (trading as Satsuma Loans) gave her loans that she couldn’t afford to repay.backgroundMiss S took four loans from Satsuma between July 2015 and February 2016. She says she had over 60 loans fro... (2 pages)View decision -
Decision Reference DRN7540096
2 Sep 2016 Provident Personal Credit Limited Not upheldBanking and creditMr C has complained Provident Personal Credit Limited is asking him to repay money for loans he didn’t take out.backgroundAfter Mr C found he had defaults on his credit record for two loans, he contacted Provident. He told them he’d not taken out these two loans. He... (2 pages)View decision -
Decision Reference DRN2859306
30 Aug 2016 Provident Personal Credit Limited Not upheldBanking and creditMr G complains Provident Personal Credit Limited didn’t carry out proper affordability checks and irresponsibly granted him unaffordable loans. He says he was vulnerable, trapped in a debt spiral and became unwell. He wants the charges and interest refunded and his credit ... (2 pages)View decision -
Decision Reference DRN8227175
26 Aug 2016 Provident Personal Credit Limited UpheldBanking and creditsummary of complaintMr E complains that he’s been asked to repay a loan even though Provident Personal Credit Limited paid the money into the wrong account.background to complaintIn November 2015, Mr E applied online for a loan of £100. The loan was repayable over ... (2 pages)View decision -
Decision Reference DRN7386015
24 Aug 2016 Provident Personal Credit Limited Not upheldBanking and creditMiss F, represented by a family member Mr K, complains that Provident Personal Credit Limited lent to her irresponsibly.background Mr K says that Provident lent a large amount to Miss F even though this was unaffordable. He says Miss F suffers from mental illness ... (3 pages)View decision