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Provident Personal Credit Limited

Financial Ombudsman decision DRN0430907 Upheld

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Irresponsible lending, Credit file reporting

In the Ombudsman’s words

She did not think Provident should have lent Mr S the second loan as it did not correctly carry out the affordability checks.Irresponsible lending

She also wanted it to remove the default.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN0430907.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.