Quidie Limited

Financial Ombudsman decision DRN-4796305 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Jul 19deadline 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 Y complains that had Quidie Limited trading as Fernovo (Fernovo) done the proper checks it would have realised he could not afford this loan.Irresponsible lending

Fernovo should remove any adverse information recorded on Mr Y’s credit file for the period up to nowCredit file reporting

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4796305.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.