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 DRN1863245
7 Jul 2016 Provident Personal Credit Limited UpheldBanking and creditMr J complains that Provident Personal Credit Limited chased him for repayment of two loans which had been fraudulently opened in his name. His credit file has been affected and he’s been unable to obtain a mortgage.backgroundMr J contacted Provident in February 2016... (2 pages)View decision -
Decision Reference DRN7664164
29 Jun 2016 Provident Personal Credit Limited UpheldBanking and creditMr A complains that Provident Personal Credit Limited trading as Satsuma wrongly lent him money he couldn’t afford to pay back. backgroundMr A said that the business didn’t carry out proper affordability checks and allowed him to borrow when he was in financial difficult... (2 pages)View decision -
Decision Reference DRN8999620
22 Jun 2016 Provident Personal Credit Limited UpheldBanking and creditMr K complains that a person unknown to him and who was not a collection agent came to collect the payment due under his loan with Provident Personal Credit Limited. He says the person had no authority to do this. backgroundMr K says that in December 2015, an unknow... (2 pages)View decision -
Decision Reference DRN7822483
20 Jun 2016 Provident Personal Credit Limited UpheldBanking and creditMr H complains that Provident Personal Credit Limited’s loans to him were unaffordable and that it didn’t properly check his credit history. He also complains that Provident unfairly extended the loans by allowing him to just pay interest.backgroundProvident made eight l... (2 pages)View decision -
Decision Reference DRN5075647
20 Jun 2016 Provident Personal Credit Limited UpheldBanking and creditMiss H complains that Provident Personal Credit Limited hasn’t properly credited her payments to her account.backgroundMiss H has a debt account with Provident. It had agreed that she could leave her payments with her partner's mother, who also had an account with P... (2 pages)View decision -
Decision Reference DRN0153997
17 Jun 2016 Provident Personal Credit Limited Not upheldBanking and creditMr C complains that two loans with Provident Personal Credit Limited weren’t affordable for him and that it shouldn’t have lent to him. backgroundProvident lent £500 to Mr C in May 2013 and another £500 to him in July 2013. He complained to Provident last year that the... (2 pages)View decision -
Decision Reference DRN2929879
15 Jun 2016 Provident Personal Credit Limited UpheldBanking and creditMr W complains that Provident Personal Credit Limited (trading as Satsuma Loans) sold him an instalment loan after it was told that he didn’t want any more loans. He also says the loan was not affordable.backgroundIn August 2015 Mr W borrowed £500 from Satsuma Loans. ... (3 pages)View decision -
Decision Reference DRN8625601
9 Jun 2016 Provident Personal Credit Limited UpheldBanking and creditMiss C says loans provided by Provident Personal Credit Limited were unaffordable, so its decision to lend to her was irresponsible.backgroundfactsFrom 2007 to 2011, Miss C had 10 loans from Provident. In November 2014, it sold the outstanding debt to a third party.In... (3 pages)View decision -
Decision Reference DRN3965135
9 Jun 2016 Provident Personal Credit Limited Not upheldBanking and creditMr L complains that Provident Personal Credit Limited (trading as Satsuma) didn’t properly consider his financial circumstances and lent him money that he couldn’t afford to pay back.backgroundMr L explains that he took out a number of loans with Satsuma starting in Sept... (2 pages)View decision -
Decision Reference DRN0459470
7 Jun 2016 Provident Personal Credit Limited Not upheldBanking and creditMrs J complains that Provident Personal Credit Limited lent irresponsibly to her instead of offering help with her financial difficulties.backgroundMrs J says that she borrowed from Provident but, when the loans became unaffordable, Provident did not provide any help a... (2 pages)View decision