I have the default settings in preferences. Never had this before in any version of the game before. I didn't have any crowd in the beta version either, but thought that would've been as it was a beta version. I'm playing as Everton, in the premier league. First season of the game. It occurs in all home and away matches.
Ok - thanks all. It is on default settings and the preferences for Match are all ticked to show crowd, sky, etc.
My laptop is a few years old, so it's probably that factor outlined by WJ above.
Maybe in FM 17 I'll just see the ball flying around the pitch with the players removed!!!