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 DRN0035437
31 May 2016 Provident Personal Credit Limited Not upheldBanking and creditMr J complains that Provident Personal Credit Limited (trading as Satsuma Loans) mis-sold him a loan he couldn’t afford.backgroundIn March 2014 Mr J was an unemployed student. But he told Satsuma that he was in full time employment and earning well over £1,000 a month, ... (2 pages)View decision -
Decision Reference DRN4842866
31 May 2016 Provident Personal Credit Limited UpheldBanking and creditMiss I complains Provident Personal Credit Ltd (trading as Satsuma loans.co.uk) failed to update her credit file after she repaid a loan in September 2015.backgroundMiss I took a loan with Satsuma in February 2015 which she repaid on 28 September 2015. She says she be... (2 pages)View decision -
Decision Reference DRN6264451
26 May 2016 Provident Personal Credit Limited UpheldBanking and creditMr L complains that Provident Personal Credit Limited shouldn’t have lent him money. He couldn’t really afford to repay the loans and often had to borrow more money from Provident to repay an existing loan. Mr L’s helped in his complaint by his daughter Miss L. Sh... (3 pages)View decision -
Decision Reference DRN8374638
26 May 2016 Provident Personal Credit Limited UpheldBanking and creditMrs L complains that Provident Personal Credit Limited shouldn’t have lent her money. She couldn’t really afford to repay the loans and often had to borrow more money from Provident to repay an existing loan. Mrs L’s helped in her complaint by her daughter Miss L. ... (4 pages)View decision -
Decision Reference DRN6286848
25 May 2016 Provident Personal Credit Limited Not upheldBanking and creditMr H complains that Provident Personal Credit Limited was irresponsible to lend him money.backgroundProvident agreed to three loans to Mr H between 2011 and 2013. He says it was irresponsible to have done so, because he had to borrow money elsewhere in order to repay ... (1 page)View decision -
Decision Reference DRN0508341
20 May 2016 Provident Personal Credit Limited UpheldBanking and creditMiss P says a loan from Provident Personal Credit Limited was unsuitable for her.backgroundFrom 2012 Miss P had a number of loans from Provident. In the main she’s been happy with the lending. But she believes a loan in August 2015 was unsuitable. I will call this ... (2 pages)View decision -
Decision Reference DRN0866317
12 May 2016 Provident Personal Credit Limited UpheldBanking and creditIn January 2014, Mrs S agreed two home credit loans with Provident Personal Credit Limited. By June 2015, both loan accounts were in arrears and she was experiencing financial difficulties. She complains that, from June to November 2015, her weekly payments were alloca... (3 pages)View decision -
Decision Reference DRN6644637
10 May 2016 Provident Personal Credit Limited Not upheldBanking and creditMiss J complains that Provident Personal Credit Limited recorded a default on her credit file for a loan she had repaid.backgroundMiss J says that she recently checked her credit file and realised that a default had been recorded by Provident for £10 in 2012. She say... (2 pages)View decision -
Decision Reference DRN8172350
4 May 2016 Provident Personal Credit Limited UpheldBanking and creditMs M complains that the loans made to her by Provident Personal Credit Limited were unaffordable – and that it shouldn’t have lent to her.backgroundProvident Personal Credit has lent money to Ms M under a number of loan agreements. That includes loans made in November 2... (1 page)View decision -
Decision Reference DRN7669418
13 Apr 2016 Provident Personal Credit Limited Not upheldBanking and creditMr G complains that Provident Personal Credit Limited, Trading as Satsuma Loans:-didn’t make it clear that the interest on his loan would be paid at the start of the loanand-shouldn’t have given him a loan because he was already in financial difficulties. backgrou... (3 pages)View decision