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 DRN3391090
28 Oct 2015 Provident Personal Credit Limited Not upheldBanking and creditThis complaint is about Provident Personal Credit Limited (PPC) asking Mrs B to repay borrowing she disputes taking out.backgroundMrs B is represented in her complaint by her husband. Mr B says that his wife’s received notices of arrears and demands for payment from PPC... (1 page)View decision -
Decision Reference DRN0834431
19 Oct 2015 Provident Personal Credit Limited UpheldBanking and creditMr H complains that Provident Personal Credit Limited did not update his credit file when he paid off his loan with it. backgroundMr H had an account with Provident. He settled it in July 2014. In April 2015, Mr H realised a default for the account was showing on h... (2 pages)View decision -
Decision Reference DRN1267989
9 Oct 2015 Provident Personal Credit Limited UpheldBanking and creditMr L says that he was not sent a default notice before Provident Personal Credit Limited (trading as Provident) recorded a default on his credit file. our initial conclusionsThe adjudicator recommended that the complaint should be upheld. She considered that as Provident could not ... (2 pages)View decision -
Decision Reference DRN1405066
8 Oct 2015 Provident Personal Credit Limited Not upheldBanking and creditMiss S has complained Provident Personal Credit Limited hasn’t sent her annual statements and arrears notices as they’re required to do.our initial conclusionsOur adjudicator felt the evidence showed Provident did send annual statements. He wasn’t sure whether default notices had been... (2 pages)View decision -
Decision Reference DRN2226083
30 Sep 2015 Provident Personal Credit Limited UpheldBanking and creditMr S complains about the way Provident Personal Credit Limited handled his request to remove information on his credit file.backgroundMr S says that he didn’t know that a third party had taken loans out in his name, with Provident until he applied for a mortgage ... (2 pages)View decision -
Decision Reference DRN6354987
30 Sep 2015 Provident Personal Credit Limited Not upheldBanking and creditMrs M complains that Provident Personal Credit Limited’s records, in respect of her home credit accounts, conflicted with the records in her own, handwritten, receipt books.Mrs M was also unhappy with the service of Provident’s representatives when dealing with her.b... (2 pages)View decision -
Decision Reference DRN6385076
28 Sep 2015 Provident Personal Credit Limited UpheldBanking and creditMs L complains that Provident Personal Credit Limited inappropriately and irresponsibly lent money to her. She wants Provident to reverse all loans agreed after August 2010, and not to contact her again. backgroundBetween 2007 and 2010, Ms L entered into several loan ag... (3 pages)View decision -
Decision Reference DRN4143456
17 Sep 2015 Provident Personal Credit Limited UpheldBanking and creditMr W complains that Provident Personal Credit Limited (“Provident”) agreed to lend to him when the loans weren’t affordable.backgroundFrom May 2010 Mr W took a large number of loans with Provident. The loans taken out before September 2013 were repaid, generally early,... (2 pages)View decision -
Decision Reference DRN2199863
10 Sep 2015 Provident Personal Credit Limited UpheldBanking and creditMr H complains about a breach of data protection. He would like Provident Personal Credit Limited (Provident) to compensate him for this.backgroundMr H has three personal loans with Provident. Payment is made to an agent from Provident who visits Mr H’s home on a regu... (2 pages)View decision -
Decision Reference DRN5959936
10 Sep 2015 Provident Personal Credit Limited UpheldBanking and creditMiss B has complained that she overpaid a loan to Provident Personal Credit Limited, and it now won’t pay her back.backgroundMiss B took out a home loan with Provident. She says she discovered that she’d overpaid it by over £200, and that the agent agreed this was t... (2 pages)View decision