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J.D. WILLIAMS & COMPANY LIMITED
Financial Ombudsman decision DRN-5621937 Not upheld
Not upheldoutcome, as published by the Ombudsman
—no sum stated
Thu Nov 13deadline 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, Treatment in financial difficulty
In the Ombudsman’s words
Ms P complains J D Williams & Company Limited trading as Simply Be (Simply Be) irresponsibly lent to her because it didn’t carry out reasonable and proportionate checks to ensure the lending was affordable.Irresponsible lending
She also said she is in financial difficulties and pays the minimum every month, but the balance has not reduced.Treatment in financial difficulty
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5621937.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.