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 DRN-2450128
18 Jan 2021 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2450128 The complaint Mr W complains that the loans provided to him by Provident Personal Credit Limited trading as Satsuma Loans (Satsuma) weren’t affordable. What happened Mr W took out three loans with Satsuma in 2019. He says the loans were unaffordable. Loan Date Amount 1 Feb-19 £... (3 pages)View decision -
Decision Reference DRN-2361107
14 Jan 2021 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2361107 The complaint Mr O says Provident Personal Credit Limited irresponsibly lent to him. What happened This complaint is about two home credit loans Provident provided to Mr O between June and October 2016. Mr O’s first loan was for £200 and was repaid in instalments of £13 per wee... (2 pages)View decision -
Decision Reference DRN-2500865
13 Jan 2021 Provident Personal Credit Limited UpheldConsumer CreditDRN-2500865 The complaint Miss I complains that Provident Personal Credit Limited, trading as Satsuma, lent to her irresponsibly. What happened Using information from Satsuma here is a brief loan table for the approved loans. Loan Date Taken Date Repaid Instalments Amount Highest Repayment... (6 pages)View decision -
Decision Reference DRN-2245648
12 Jan 2021 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2245648 The complaint Mr P’s complaint is the amount of interest he was charged for an early settlement on his loan was unfair. Mr P thinks Provident Personal Credit Limited – trading as Satsuma – shouldn’t be allowed to charge such high amounts. What happened Mr P took out a loan with... (2 pages)View decision -
Decision Reference DRN-2468719
30 Dec 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2468719 The complaint Mr V complained about a number of loans he took out through a company called Provident Personal Credit Limited, trading as Satsuma. Mr V says he was lent to irresponsibly and the loans caused him financial problems. To keep things simple, I’ll refer mainly to “Sat... (3 pages)View decision -
Decision Reference DRN-2397850
29 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2397850 The complaint Mr M complained about a number of loans he took out through a company called Provident Personal Credit Limited. Mr M says he was lent to irresponsibly and the loans caused him financial problems. To keep things simple, I’ll refer mainly to “Provident” throughout t... (3 pages)View decision -
Decision Reference DRN-2433658
23 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2433658 The complaint Mr R complains that Provident Personal Credit Limited, trading as Satsuma, lent to him irresponsibly. Mr R added to his complaint points to include that he felt that Satsuma had refused him a repayment plan of £20, and later had recorded a default against him whic... (6 pages)View decision -
Decision Reference DRN-2348075
11 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2348075 The complaint Mr R complains that Provident Personal Credit Limit, trading as Satsuma Loans, (“SL”), has unfairly recorded a default on his credit file. He wants the default removed. What happened Mr R took out a loan for £700 with SL on 15 August 2019. The loan was repayable b... (3 pages)View decision -
Decision Reference DRN-1655201
10 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-1655201 The complaint Mr S complains Provident Personal Credit Limited trading as Satsuma Loans are holding him responsible for repaying a loan he never agreed to take out. He wants them to stop pursuing him for the loan. What happened On 6 June 2019 a loan of £1000 was taken out in Mr... (4 pages)View decision -
Decision Reference DRN-2312280
4 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2312280 The complaint Ms M says Provident Personal Credit Limited - trading as Satsuma - irresponsibly lent to her. What happened This complaint is about two instalment loans Satsuma provided to Ms M between September 2018 and July 2019. A summary of Ms M’s borrowing history is as foll... (3 pages)View decision
