Firms ›
Provident Personal Credit Limited
460banking decisions
37.4%uphold rate
288not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Irresponsible lending | 314 | 127 | 40.4% |
| Credit file reporting | 158 | 107 | 67.7% |
| Treatment in financial difficulty | 40 | 2 | 5.0% |
| Complaint handling | 34 | 15 | 44.1% |
| Service failure | 17 | 7 | 41.2% |
| Unauthorised transaction | 16 | 9 | 56.3% |
| Product mis-sold | 15 | 5 | 33.3% |
| Support for vulnerable customers | 13 | 5 | 38.5% |
| Charges and fees | 10 | 4 | 40.0% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FOS | 2021-H2 | 32.7% | — | — | 72 |
| FOS | 2021-H1 | 73.6% | — | — | 10,973 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.