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 DRN9312248
12 Apr 2016 Provident Personal Credit Limited Not upheldBanking and creditMr F complains that Provident Personal Credit Limited did not provide the service it should have done both in terms of collecting his payments and responding to his information requests. He also complains that the refund he received for repaying his loans early was n... (3 pages)View decision -
Decision Reference DRN0430907
11 Apr 2016 Provident Personal Credit Limited UpheldBanking and creditMr S complains that Provident Personal Credit Limited gave him two loans without carrying out affordability checks. He wants the outstanding balance written off and the default removed.backgroundMr S says the affordability checks were falsified and it is not his signature... (3 pages)View decision -
Decision Reference DRN9112356
7 Apr 2016 Provident Personal Credit Limited Not upheldBanking and creditMiss T complains that Provident Personal Credit Limited failed to make proper checks about affordability of a loan it made to her and failed to identify that she was in financial difficulty.backgroundIn 2012 Miss T took out a £400 loan from Provident through home cred... (3 pages)View decision -
Decision Reference DRN8222296
5 Apr 2016 Provident Personal Credit Limited Not upheldBanking and creditMr C complains that Provident Personal Credit Limited (trading as Satsuma Loans) has treated him unfairly because it didn’t properly check whether he could afford loans he took out with it. He wants the interest (and charges) he’s paid to be refunded.background Mr C b... (3 pages)View decision -
Decision Reference DRN8962559
24 Mar 2016 Provident Personal Credit Limited UpheldBanking and creditMiss H complains that Provident Personal Credit Limited, trading as Satsuma Loans, won’t refund to her the amount that she has repaid for a loan that was taken out by her then partner without her knowledge or consent.backgroundMiss H’s then partner applied to Satsuma L... (2 pages)View decision -
Decision Reference DRN9265643
23 Mar 2016 Provident Personal Credit Limited UpheldBanking and creditMr L complains that Provident Personal Credit Limited trading as Satsuma wrongly lent him money he couldn’t afford to pay back. backgroundMr L said that the business didn’t carry out proper affordability checks and allowed him to borrow when he was in financial difficulty... (2 pages)View decision -
Decision Reference DRN9962644
11 Mar 2016 Provident Personal Credit Limited Not upheldBanking and creditMs B complains about the way that Provident Personal Credit Limited has dealt with her two loans with it. backgroundMs B took out two £500 loans in October 2013. She had wanted one loan for £1,000 but Provident wouldn’t provide that. Ms B says that she was told by the ... (2 pages)View decision -
Decision Reference DRN2301991
9 Mar 2016 Provident Personal Credit Limited Not upheldBanking and creditMiss D complains that Provident Personal Credit Limited (Provident) sold her loans in November 2013 and March 2014 which were unaffordable.backgroundMiss D said Provident didn’t carry out sufficient checks to ensure the loans were affordable. She said had it carried out pro... (2 pages)View decision -
Decision Reference DRN2274307
2 Mar 2016 Provident Personal Credit Limited UpheldBanking and creditMr H complains that Provident Personal Credit Limited (trading as Satsuma Loans) holds him liable for a loan that was fraudulently taken in his name.backgroundMr H says that he allowed his former wife (“Mrs H”) to have his bank debit card to buy groceries but that, wit... (2 pages)View decision -
Decision Reference DRN7300683
23 Feb 2016 Provident Personal Credit Limited Not upheldBanking and creditMr O complains that Provident Personal Credit Limited (trading as Satsuma Loans) declined his loan application after it’d said it would lend him the money.backgroundMr O says he applied for a loan of £1,000 with Satsuma Loans online and he was told that it’d agreed in p... (2 pages)View decision