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Elevate Credit International Limited

Financial Ombudsman decision DRN-1214989 Partly 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

Ms W complains that Elevate Credit International Limited (trading as Sunny) irresponsibly gave her loans which she couldn’t afford to pay back.Irresponsible lending

So all entries about loans 6 to 9 should be removed from Ms W’s credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-1214989.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.