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-2405056
4 Dec 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2405056 The complaint Mr L has complained that Provident Personal Credit Limited (trading as Satsuma Loans (“Satsuma”)) gave him unaffordable loans. What happened Mr L took four instalment loans from Satsuma between January 2016 and July 2019. A summary of his borrowing, based on the i... (4 pages)View decision -
Decision Reference DRN-2329698
4 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2329698 The complaint Mr K has complained that Provident Personal Credit Limited (trading as Satsuma) did not contact him about his arrears, which eventually led to his account being defaulted. What happened Mr K took out one instalment loan of £600 on 2 February 2017. The loan was to ... (2 pages)View decision -
Decision Reference DRN-2348917
3 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2348917 The complaint Mr D says Provident Personal Credit Limited trading as Satsuma Loans lent to him irresponsibly. He said if proper checks had been made before lending then Satsuma wouldn’t have approved the loans as he had a significant amount of other payday lending at the time. ... (2 pages)View decision -
Decision Reference DRN-2019618
2 Dec 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2019618 The complaint Ms A says that she did not receive visits from a Provident agent regularly at times. This made it harder to repay her loans. She also says that Provident Personal Credit Limited lent to her irresponsibly. I’ve looked at this part of her complaint separately. What ... (2 pages)View decision -
Decision Reference DRN-2266923
24 Nov 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2266923 The complaint Mr B has complained about an administration matter related to a short-term loan he took out in 2016 with Provident Personal Credit Limited, trading at the time as “Satsuma”. He says Satsuma incorrectly applied a ‘default’ on his credit file in relation to this bor... (2 pages)View decision -
Decision Reference DRN-2309955
23 Nov 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2309955 The complaint Mr K says Provident Personal Credit Limited (trading as Satsuma) was irresponsible to lend him money. Mr K wants Satsuma to apologise and refund money to him. What happened Mr K took out four instalment loans with Satsuma between November 2014 and February 2016. M... (3 pages)View decision -
Decision Reference DRN-2364026
23 Nov 2020 Provident Personal Credit Limited UpheldConsumer CreditDRN-2364026 The complaint Mrs D says Provident Personal Credit Limited, irresponsibly lent to her. She says that Provident didn’t carry out in depth checks before lending. If it had made these checks it would’ve seen that the lending wasn’t affordable. What happened This complaint is about... (2 pages)View decision -
Decision Reference DRN-2298262
17 Nov 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2298262 The complaint Miss M says that whilst she fully repaid her loan early, Provident Personal Credit Limited trading as Satsuma Loans, required that she repay all of the interest. She thinks that as she repaid the loan early she should receive an interest rebate. What happened This... (2 pages)View decision -
Decision Reference DRN-2342042
16 Nov 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2342042 The complaint Mr G says Provident Personal Credit Limited trading as Satsuma Loans lent to him irresponsibly. He says he had very little money to spare and so he couldn’t afford the repayments to the loans. He also said his credit file showed he had numerous defaults, bad credi... (3 pages)View decision -
Decision Reference DRN-2164483
11 Nov 2020 Provident Personal Credit Limited Not upheldConsumer CreditDRN-2164483 The complaint Miss S says Provident Personal Credit Limited lent to her irresponsibly. She says that she couldn’t afford the loan repayments. She thinks Provident should’ve seen this and not lent to her. What happened This complaint is about five home collected loans Provident ... (3 pages)View decision
