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Provident Personal Credit Limited

Financial Ombudsman decision DRN1863245 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

Credit file reporting, Complaint handling

In the Ombudsman’s words

Mr J complains that Provident Personal Credit Limited chased him for repayment of two loans which had been fraudulently opened in his name. His credit file has been affected and he’s been unable to obtain a mortgage.Credit file reporting

Provident said it would arrange to remove the loans from Mr J’s credit file in March. As at the middle of June the loans were still showing on Mr J’s credit file. This continues to affect Mr J and it isn’t clear why Provident didn’t remove the entries from Mr J’s credit file when it said it would.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1863245.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.