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 DRN5903797
20 Nov 2013 Provident Personal Credit Limited Not upheldBanking and creditMrs V complains that Provident Personal Credit Limited (“PPC”) caused her distress and inconvenience by the way in which it managed her accounts.backgroundMrs V has a number of loan accounts with PPC but, she says, it has failed to resolve a number of issues. Mrs V disputed one of t... (2 pages)View decision -
Decision Reference DRN9296271
7 Nov 2013 Provident Personal Credit Limited Not upheldBanking and creditMiss K complains that her payments were not credited to her Provident Personal Credit Limited account.backgroundMiss K took out a fixed-sum loan with Provident Personal Credit Limited in August 2011, then again in December 2011. Miss K says she paid Provident’s agent £20 every fortnig... (2 pages)View decision -
Decision Reference DRN0757357
31 Oct 2013 Provident Personal Credit Limited Not upheldBanking and creditMr D complains that arrears on his home credit account have been caused by the agent from Provident Personal Credit Limited not calling for weekly payments at the agreed time.backgroundMr D signed a home credit agreement requiring weekly repayments. He says that this initially went well... (1 page)View decision -
Decision Reference DRN4050660
25 Oct 2013 Provident Personal Credit Limited UpheldBanking and creditMiss M complains that Provident Personal Credit Limited recorded a default on her credit file without sending her a default notice or a notice of its intention to file a default.our initial conclusionsThe adjudicator recommended that this complaint should be upheld. She concluded t... (2 pages)View decision -
Decision Reference DRN5819539
24 Sep 2013 Provident Personal Credit Limited Not upheldBanking and creditMrs B complains that Provident Personal Credit Limited did not send an agent to her home to collect her monthly loan payments, which meant that she was unable to reduce the balance due under a loan agreement. background In May 2009 Mrs B took out a loan with Provident for £1,000. Sho... (2 pages)View decision -
Decision Reference DRN0383647
24 Sep 2013 Provident Personal Credit Limited Not upheldBanking and creditMs E complains that Provident Personal Credit Limited is asking her to repay a loan that was taken out fraudulently in her name by one of its agents.background A loan was taken out in Ms E’s name in July 2010. Repayments to the loan were £30 per week over 106 weeks and were made re... (1 page)View decision -
Decision Reference DRN8527163
19 Sep 2013 Provident Personal Credit Limited Not upheldBanking and creditMr Q complains that Provident Personal Credit Limited will not remove the default that he says it unfairly recorded on his credit file. He also complains that he was not told at the time he took out his loan of his right to cancel it.backgroundIn 2008 Mr Q took out a loan with Provident ... (2 pages)View decision -
Decision Reference DRN6763086
19 Sep 2013 Provident Personal Credit Limited UpheldBanking and creditMr H complains about his dealings with Provident Personal Credit Limited. In particular he complains that the term of a loan was misrepresented to him, that an agent’s friend came to his house while the agent collected his payment and that his account book has not been kept accurately.bac... (2 pages)View decision -
Decision Reference DRN3215722
23 Aug 2013 Provident Personal Credit Limited Not upheldBanking and creditMiss A complains about a loan she has with Provident Personal Credit Limited. She says the loan repayments have not been collected by the agent and she is unhappy that adverse information has been recorded on her credit file. backgroundThe adjudicator did not recommend the complaint ... (2 pages)View decision