Firm analysis

Provident Personal Credit Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Provident Personal Credit Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

807 published decisions involving Provident Personal Credit Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

807

Firm-specific decision volume in the public corpus

Upheld rate

40.6%

328 upheld decisions

Latest published decision 15 Dec 2022

Published decisions

807

Firm-specific decision volume in the public corpus

Upheld rate

40.6%

328 upheld decisions

Leading product

Banking and credit

604 decisions

Leading complaint theme

Affordability Assessment Failure

284 tagged decisions

Provident Personal Credit Limited at a glance

Provident Personal Credit Limited appears in 807 published decisions in this corpus. 40.6% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Banking and credit is the firm’s clearest product exposure in the published decisions, with 604 decisions and an upheld rate of 44.5%.

  • Latest active year in the published data: 2022 (18 decisions)
  • Most common complaint theme: Affordability Assessment Failure
  • Most common precedent signal: Conc

Volume and outcome trajectory

Provident Personal Credit Limited's decision trail runs from 2013 to 2022. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Provident Personal Credit Limited appeared in 18 published decisions with an upheld rate of 38.9%.

  • 2022: 18 decisions, 38.9% upheld
  • 2021: 66 decisions, 31.8% upheld
  • 2020: 198 decisions, 41.9% upheld
  • 2019: 163 decisions, 60.7% upheld
  • 2018: 104 decisions, 24.0% upheld

Themes, products, and precedent signals

Affordability Assessment Failure is the strongest complaint-theme signal tied to Provident Personal Credit Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Conc, Consumer Credit Act 1974, Disp, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Banking and credit: 604 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Consumer Credit Act 1974

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-383325815 Dec 2022Upheld

Provident Personal Credit Limited · Consumer Credit

DRN-3833258 The complaint Mr S complains that Provident Personal Credit Limited are holding him liable for three loans which he says he didn’t take out. What happened In 2016 three loans were taken out in Mr S’s name with Provident - £500 in April 2016, £600 in July 2016 and £600 in August... (2 pages)

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DRN-380691830 Nov 2022Upheld

Provident Personal Credit Limited · Consumer Credit

DRN-3806918 The complaint Miss B complains that Provident Personal Credit Limited trading as Satsuma Loans (“Provident”) is holding her liable for a loan in her name which she says she did not consent to. What happened The circumstances of this complaint are well known to both parties, so ... (3 pages)

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DRN-372325918 Nov 2022Upheld

Provident Personal Credit Limited · Consumer Credit

DRN-3723259 The complaint Mr W complains that Provident Personal Credit Limited trading as Satsuma Loans accepted a loan application in his name from an unknown third party. Satsuma subsequently pursued him for the outstanding amount and put a default on his credit file. What happened Our ... (2 pages)

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DRN-342803722 Sept 2022Not upheld

Provident Personal Credit Limited · Consumer Credit

DRN-3428037 The complaint Mrs G complains that Provident Personal Credit Limited trading as Satsuma Loans (Satsuma) unfairly defaulted a loan account during the COVID-19 Pandemic and while she was held up abroad. In order to put things right, Mrs G has asked for the default to be removed f... (7 pages)

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DRN-369072509 Sept 2022Upheld

Provident Personal Credit Limited · Consumer Credit

DRN-3690725 The complaint Ms M complains that Provident Personal Credit Limited (Provident) mis-managed her account after she told it she was having financial difficulties as well as providing details of her health problems. What happened In October 2020, Ms M told Provident about her heal... (6 pages)

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