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 DRN0763306
8 Feb 2017 Provident Personal Credit Limited Not upheldBanking and creditMrs N complains that Provident Personal Credit Limited mis-sold her 25 loans without checking that she could afford them.backgroundBetween 2007 and 2013, Mrs N borrowed a total of 25 loans from Provident. She was unable to repay the last two. In 2016 she complained t... (2 pages)View decision -
Decision Reference DRN4356836
7 Feb 2017 Provident Personal Credit Limited UpheldBanking and creditMrs A complains about the amount she has had to pay to settle her loan with Provident Personal Credit Limited.backgroundMrs A took a loan with Provident to be repaid over 12 months. She called in October 2016, around half way through the term, to settle the loan ear... (2 pages)View decision -
Decision Reference DRN3074809
30 Jan 2017 Provident Personal Credit Limited Not upheldBanking and creditMrs J, represented by Mrs G, complains that Provident Personal Credit Limited (the business) did not apply all of her payments to her loan accounts.backgroundIn June 2016, Mrs J says she received a statement from the business which did not take into account all of t... (3 pages)View decision -
Decision Reference DRN5817160
26 Jan 2017 Provident Personal Credit Limited UpheldBanking and creditMs E on behalf of Mr H complains that Provident Personal Credit Limited (“Provident”) didn’t act responsibly when lending him money. backgroundMr H took out loans from Provident between 2009 and 2014. In December 2014, he borrowed £1,000, and given he still had outsta... (3 pages)View decision -
Decision Reference DRN8223818
24 Jan 2017 Provident Personal Credit Limited UpheldBanking and creditMrs F complains that Provident Personal Credit Limited didn’t carry out proper affordability checks and irresponsibly granted her unaffordable loans. She says she was in a spiral of debt and the loans worsened her position. She wants the interest refunded and her cre... (2 pages)View decision -
Decision Reference DRN3969016
19 Jan 2017 Provident Personal Credit Limited Not upheldBanking and creditMr B’s unhappy with the way Provident Personal Credit Limited’s administered his loan. He says its agent hasn’t collected his payments as agreed and this is having a negative impact on his credit file. He wants it updated so it doesn’t show missed payments over which ... (2 pages)View decision -
Decision Reference DRN6900383
6 Jan 2017 Provident Personal Credit Limited Not upheldBanking and creditMiss F complains that Provident Personal Credit Limited (Provident) has unfairly and incorrectly recorded defaults on her credit file.backgroundMiss F had two accounts with Provident and whilst she accepts that towards the end of 2011, her payments were not up to date,... (2 pages)View decision -
Decision Reference DRN5161658
4 Jan 2017 Provident Personal Credit Limited Not upheldBanking and creditMr A’s unhappy that despite wanting to pay off one of his two loans, Provident Personal Credit Limited split the money he paid and used it to reduce both loans. He wants the error corrected, a refund of interest and for one loan to be paid off.backgroundProvident sa... (2 pages)View decision -
Decision Reference DRN1685289
21 Dec 2016 Provident Personal Credit Limited Not upheldBanking and creditMr H complains that Provident Personal Credit Limited lent him money irresponsibly. backgroundMr H took out five fixed sum loans with Provident over three years. He says he was in a difficult financial situation and couldn’t afford the repayments. He felt pressured to... (2 pages)View decision -
Decision Reference DRN2323754
20 Dec 2016 Provident Personal Credit Limited Not upheldBanking and creditMr C complains that Provident Personal Credit Limited didn’t carry out proper affordability checks and irresponsibly granted him loans. He says he was experiencing financial difficulties and was heavily reliant on short term credit. If it’d checked his credit file it would... (2 pages)View decision