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 DRN9574571
31 Mar 2015 Provident Personal Credit Limited Not upheldBanking and creditMiss B has complained that Provident Personal Credit Limited is pursuing her for debts she does not owe.backgroundMiss B took out six loans with Provident. However, she says only two of these were valid, and have both been settled. She says she has no knowledge of t... (1 page)View decision -
Decision Reference DRN2715232
31 Mar 2015 Provident Personal Credit Limited Not upheldBanking and creditMrs Y complains about two loans from Provident Personal Credit Limited (PPC), for which she makes payments to an agent of PPC, who makes weekly visits to her home. She disputes one of the loans, and says that the agent has been collecting more than the weekly payment... (2 pages)View decision -
Decision Reference DRN0430222
27 Mar 2015 Provident Personal Credit Limited Not upheldBanking and creditUnder the rules of the Financial Ombudsman Service, I am required to ask Mr C either to accept or reject my decision before 27 April 2015. Jane Archer ombudsman at the Financial Ombudsman ServicecomplaintMr C complains that the agent from Provident Personal Credit Limited (tra... (2 pages)View decision -
Decision Reference DRN9621578
19 Mar 2015 Provident Personal Credit Limited UpheldBanking and creditMiss C complains about the interest rate on her loan agreed with Provident Personal Credit Limited and says she couldn’t afford the repayments.backgroundProvident agreed to lend Miss C £500 in 2014. This was to repay the balance on her outstanding loan with it, agreed i... (2 pages)View decision -
Decision Reference DRN1506793
12 Mar 2015 Provident Personal Credit Limited UpheldBanking and creditMs B complains that Provident Personal Credit Limited (“PPCL”) should not have provided loans to her, as she did not have the mental capacity to understand the loan agreements, nor could she afford to repay the loans. The complaint is brought on Ms B’s behalf by an adviser. But for eas... (3 pages)View decision -
Decision Reference DRN3557273
3 Mar 2015 Provident Personal Credit Limited UpheldBanking and creditMr C complains that Provident Personal Credit Limited (the business) recorded information on his credit file relating to three loans that were not his.backgroundIn July or August 2014, Mr C realised that the business had recorded information on his credit file about three loans which ... (2 pages)View decision -
Decision Reference DRN9825400
26 Feb 2015 Provident Personal Credit Limited UpheldBanking and creditMr C is dissatisfied with Provident Personal Credit Limited’s response to his complaint.He says its agent took away his paying in book. Moreover it did not take account of payments he made to it.our initial conclusionsOur adjudicator said that the complaint should succeed in part. He s... (2 pages)View decision -
Decision Reference DRN4414171
6 Feb 2015 Provident Personal Credit Limited Not upheldBanking and creditMr V complains that Provident Personal Credit Limited, trading as Provident Personal Credit, (“PPC”) acted irresponsibly when agreeing to lend him three loans in 2011.backgroundMr V took out three loans with PPC in 2011. The first loan was for £500 and was taken out in May 2011. The seco... (2 pages)View decision -
Decision Reference DRN0904150
3 Dec 2014 Provident Personal Credit Limited Not upheldBanking and creditMr M has complained that Provident Personal Credit Limited has unfairly recorded a default on his credit file.backgroundMr M took out a loan with Provident Personal Credit. After a missed payment, it says it issued him with a default notice in April 2012, but Mr M says he did not recei... (1 page)View decision -
Decision Reference DRN7195975
7 Nov 2014 Provident Personal Credit Limited Not upheldBanking and creditMr B complains that Provident Personal Credit Limited pursued him for a debt which he cannot afford to pay. He says it harassed him and ignored his health difficulties. Provident says that it is required to send Mr B notices when his loan is in arrears, and annual statements showi... (2 pages)View decision