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
-
Decision Reference DRN0341201
23 Feb 2016 Provident Personal Credit Limited Not upheldBanking and creditMs S complains that Provident Personal Credit Limited, trading as Satsuma Loans, didn’t make the necessary checks before lending money to her, that the loans were unaffordable and that it should’ve seen that she was struggling to repay her loans. backgroundMs S applied to... (2 pages)View decision -
Decision Reference DRN0500694
17 Feb 2016 Provident Personal Credit Limited UpheldBanking and creditMiss S complains that Provident Personal Credit Limited (trading as Satsuma Loans) won’t accept a loan in her name was taken out fraudulently by an ex-employee of hers. She says her bank and other lenders have accepted the position. They are not pursuing her for any ... (3 pages)View decision -
Decision Reference DRN9934266
15 Feb 2016 Provident Personal Credit Limited Not upheldBanking and creditMrs B complains that Provident Personal Credit Limited provided her with a number of loans without checking her income and expenditure. She says this caused financial difficulty.backgroundMrs B first took out a loan with Provident in March 2008. She then took out a ... (2 pages)View decision -
Decision Reference DRN2070632
15 Feb 2016 Provident Personal Credit Limited Not upheldBanking and creditMr B complains that Provident Personal Credit Limited provided him with a number of loans without checking his income and expenditure. He says this caused financial difficulty.backgroundMr B first took out a loan with Provident in October 2008. He then took out a f... (2 pages)View decision -
Decision Reference DRN2741788
11 Feb 2016 Provident Personal Credit Limited UpheldBanking and creditMr W complains about how Provident Personal Credit Limited (trading as Satsuma Loans) handled matters when he had difficulty making full repayments on a loan. He says it was not sympathetic, hounded him for payment even after it had agreed a repayment plan, and claimed n... (2 pages)View decision -
Decision Reference DRN6832473
5 Feb 2016 Provident Personal Credit Limited UpheldBanking and creditUnder the rules of the Financial Ombudsman Service, I’m required to ask Miss H either to accept or reject my decision before 7 March 2016. Niall Taylor ombudsman at the Financial Ombudsman ServicecomplaintMiss H complains about Provident Personal Credit Limited (trading a... (2 pages)View decision -
Decision Reference DRN0803948
3 Feb 2016 Provident Personal Credit Limited UpheldBanking and creditMs W has complained that Provident Personal Credit Limited is unfairly pursuing her for repayment of a loan, which was taken out fraudulently in her name.backgroundA loan was taken out with Provident, in Ms W’s name. She’s explained that this formed part of a lar... (2 pages)View decision -
Decision Reference DRN4246390
27 Jan 2016 Provident Personal Credit Limited Not upheldBanking and creditMr A complains that Provident Personal Credit Limited (trading as Satsuma Loans) holds him liable for a payday loan fraudulently taken in his name. backgroundMr A says that, following the loss or theft of his bank card, several payday loans were fraudulently taken out i... (2 pages)View decision -
Decision Reference DRN4862773
13 Jan 2016 Provident Personal Credit Limited UpheldBanking and creditMr and Mrs L complain that Provident Personal Credit Limited, trading as Provident, (“PPCL”) has not credited payments they had made to their loan accounts.backgroundMr and Mrs L have been taking out home credit loans with PPCL for over 20 years. Their regular collecto... (3 pages)View decision -
Decision Reference DRN1198542
4 Jan 2016 Provident Personal Credit Limited Not upheldBanking and creditMr D and Miss F complain that Provident Personal Credit Limited took their payment books away for an audit and then told them they owed more money.backgroundMr D and Miss F have credit agreements with Provident and they arranged to pay back what they owed in cash t... (2 pages)View decision