JAJA FINANCE LTD
Financial Ombudsman decision DRN-5503899 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Sat Jul 20deadline 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, Support for vulnerable customers
In the Ombudsman’s words
Mrs L complains JAJA FINANCE LTD (“JAJA”) didn’t carry out adequate affordability assessments and checks she applied for an account.Irresponsible lending
She also sent it other letters on the same date asking for the debt to be written off, to inform them she was a vulnerable person and to ask for action on the account to be hold for a period of at least 30 days as, due to a change in her benefits claim, she has no income for a time.Support for vulnerable customers
Rules cited
FCA CONC (Consumer Credit sourcebook)
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5503899.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.