it believed did not have the mental capacity to understand the credit agreement they were signing up to. However, we do not discriminate against those who may have some form of mental illness yet who do have the mental capacity to understand their credit agreement. We follow the OFT's guidelines in this respect by not discriminating against those with mental illness while not entering credit agreements with those we believe lack the mental capacity to understand the terms of their agreement. If we make a mistake and lend to someone who we subsequently believe does not have the mental capacity to understand the credit agreement they have entered into then we will write off the loan. We lend to people who are on benefits. Two-thirds of UK adults (30 million of the 45million adults in the UK) are in receipt of some form of social security benefit. Provident does not discriminate against those in receipt of social security benefits. Rather, Provident makes loans of an appropriate size to match customers' individual circumstances. In fact, a minority of Provident's customers are on benefits. Provident appears to be failing to adhere adequately to or take account of OFT guidelines on responsible lending. Provident adheres strictly to the OFT's guidelines on responsible lending. As indicated in paragraph 4.1 of the OFT's Irresponsible Lending Guidelines, the OFT states the extent and scope of any assessment of affordability, in any particular circumstance, should be dependent upon -- and proportionate to -- a number of factors