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 DRN8809943
27 Jul 2016 Provident Personal Credit Limited Not upheldBanking and creditMr O complains that, when he applied for loans with Provident Personal Credit Limited, it didn’t check whether he could afford to repay them and didn’t check his credit record.backgroundMr O agreed two loans with Provident in November 2013 – one for £1,000 and one for ... (2 pages)View decision -
Decision Reference DRN9409851
26 Jul 2016 Provident Personal Credit Limited UpheldBanking and creditMr O complains that Provident Personal Credit Limited (“Provident”) was slow to implement a previous final decision by one of our ombudsmen requiring it to remove incorrect and damaging information from his credit file.backgroundOne of our ombudsmen issued a final decis... (2 pages)View decision -
Decision Reference DRN6863888
26 Jul 2016 Provident Personal Credit Limited Not upheldBanking and creditMr W complains Provident Personal Credit Limited (trading as Satsuma Loans.co.uk) lent him money he couldn’t afford to repay. He says it didn’t carry out proper checks before lending.backgroundMr W says Satsuma was irresponsible in lending to him. He borrowed £220 ... (2 pages)View decision -
Decision Reference DRN5726801
18 Jul 2016 Provident Personal Credit Limited UpheldBanking and creditMr D complains that Provident Personal Credit Limited’s agent fraudulently increased his loan amount and did not record all the payments he made. He complains that he was not provided with the loan book and so has no confirmation of the amount he owes.backgroundMr D was... (4 pages)View decision -
Decision Reference DRN0926979
18 Jul 2016 Provident Personal Credit Limited Not upheldBanking and creditMr C complains that Provident Personal Credit Limited (trading as Satsuma Loans) took too long to investigate his complaint that an instalment loan had been fraudulently taken out in his name. He also complains about poor customer service.backgroundIn November 2014 a fraud... (2 pages)View decision -
Decision Reference DRN7513289
15 Jul 2016 Provident Personal Credit Limited Not upheldBanking and creditMr B complains that Provident Personal Credit Limited has recorded information on his credit file about loans he did not take out.backgroundMr B has complained that there are eleven entries on his credit file relating to loans with Provident that he did not agree to. ... (3 pages)View decision -
Decision Reference DRN1947996
14 Jul 2016 Provident Personal Credit Limited UpheldBanking and creditMiss E complains that Provident Personal Credit Limited wrongly lent her money she couldn’t afford to pay back. backgroundMiss E said that the business didn’t carry out proper affordability checks and allowed her to borrow when she was in financial difficulty. She says... (2 pages)View decision -
Decision Reference DRN9250181
14 Jul 2016 Provident Personal Credit Limited UpheldBanking and creditMr N complains that Provident Personal Credit Limited (Trading as Satsuma) wrongly chased him to make weekly payments when he had agreed to settle the loan and delayed in dealing with his complaint about this. backgroundMr N called Satsuma on 3 September 2015 to ask ... (2 pages)View decision -
Decision Reference DRN9657884
14 Jul 2016 Provident Personal Credit Limited UpheldBanking and creditMr N complains that Provident Personal Credit Limited trading as Satsuma hasn’t sent him statements of his account and delayed in dealing with his complaint about this.backgroundMr N called Satsuma on 3 September 2015 to ask for an early settlement figure for his loan. H... (2 pages)View decision -
Decision Reference DRN8278059
12 Jul 2016 Provident Personal Credit Limited Not upheldBanking and creditMr D complains that Provident Personal Credit Limited (trading as Satsuma Loans) sold him two instalment loans he couldn’t afford.backgroundIn April and December 2014, Mr D borrowed £300 and £600 from Satsuma Loans. These were to be repaid in weekly instalments over 13... (2 pages)View decision