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 DRN8592339
22 May 2015 Provident Personal Credit Limited Not upheldBanking and creditMs R complains that Provident Personal Credit Limited has not recorded all the payments she made to it under a home credit agreement. She is assisted in her complaint by a health professional. backgroundMs R entered into two home credit agreements in 2012 and 2013. An... (2 pages)View decision -
Decision Reference DRN8999072
22 May 2015 Provident Personal Credit Limited UpheldBanking and creditMr and Mrs H complain that Provident Personal Credit Limited hasn’t credited payments they’ve made to their loan account. They also complain about the customer service they’ve received.backgroundMr and Mrs H complain that some of the payments they’ve made to Provident we... (2 pages)View decision -
Decision Reference DRN3347814
15 May 2015 Provident Personal Credit Limited Not upheldBanking and creditMiss Y complains Provident Personal Credit Limited wrongly recorded missed payments with credit reference agencies, adversely affecting her credit history. backgroundThe background to this complaint, and my initial conclusions, are set out in my provisional decision date... (5 pages)View decision -
Decision Reference DRN6221989
6 May 2015 Provident Personal Credit Limited UpheldBanking and creditMr C complains, in summary, that Provident Personal Credit Limited (“Provident”) unfairly applied adverse information to his credit file. backgroundMr C took out a home credit loan with Provident in April 2013. Mr C then went into hospital in June 2013 for about a for... (4 pages)View decision -
Decision Reference DRN6378990
5 May 2015 Provident Personal Credit Limited Not upheldBanking and creditMr J complains that loans were fraudulently taken out with Provident Personal Credit Limited in his name.backgroundMr J disputes three loans taken out with Provident in 2007. He says that he was working away when the loans were signed for and that the signature on the... (2 pages)View decision -
Decision Reference DRN9294697
30 Apr 2015 Provident Personal Credit Limited UpheldBanking and creditMr M has complained that the interest rate attached to a loan he took out with Provident Personal Credit Limited was not properly explained to him.backgroundMr M took out a loan with Provident in December 2013, for £800. While making the repayments, he became aware t... (2 pages)View decision -
Decision Reference DRN1611077
30 Apr 2015 Provident Personal Credit Limited UpheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mrs M either to accept or reject my decision before 1 June 2015.Claire Jackson ombudsman at the Financial Ombudsman ServicecomplaintMrs M complains that Provident Personal Credit Limited was wrong to ask for ... (2 pages)View decision -
Decision Reference DRN9375005
27 Apr 2015 Provident Personal Credit Limited Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mr T either to accept or reject my decision before 27 May 2015. Roy Mawford ombudsman at the Financial Ombudsman ServicecomplaintMr T complains that Provident Personal Credit (PPC) has recorded adverse info... (2 pages)View decision -
Decision Reference DRN1691046
31 Mar 2015 Provident Personal Credit Limited Not upheldBanking and creditMr F complains that he was pressured by Provident Personal Credit Limited into taking a loan. backgroundMr F explained that he wanted a loan at a promotional rate. When Provident’s agent visited his home to arrange the loan she said she could not offer him the promotion... (2 pages)View decision -
Decision Reference DRN4476683
31 Mar 2015 Provident Personal Credit Limited Not upheldBanking and creditMr L has complained that Provident Personal Credit Limited is pursuing him for debts he does not owe.backgroundMr L took out nine loans with Provident, but he says that seven of these were not his, and were taken out fraudulently in his name. Provident maintains ... (1 page)View decision