3J Finance Limited
Financial Ombudsman decision DRN-3447492 Upheld
Upheldoutcome, as published by the Ombudsman
—no sum stated
Mon Jul 18deadline 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, Product mis-sold
In the Ombudsman’s words
3J Finance hasn’t pointed to proportionate checks that it did with regard to her credit worthiness other than the statement of affordability.Irresponsible lending
Ms M says she discovered this direct debit agreement was actually a loan agreement when she saw it on her credit file.Product mis-sold
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3447492.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.