FCL Consumer Finance Ltd

Financial Ombudsman decision DRN-2924101 Partly upheld

Partly upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Jul 12deadline to accept (not the decision date)

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

Mr H complains FCL Consumer Finance Ltd trading as Smart-Pig.Com (“Smart-Pig”) lent to him irresponsibly.Irresponsible lending

remove loans 5, 6 and 7 from Mr H’s credit file entirelyCredit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook), FCA DISP (Dispute Resolution)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2924101.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.