Western Circle Limited

Financial Ombudsman decision DRN-5865721 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Apr 09deadline 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

failed to conduct proportionate affordability checks before it lent to himIrresponsible lending

failed to freeze interest, fees and charges on the loan once he notified it of his financial difficultiesTreatment in financial difficulty

Rules cited

Consumer Credit Act 1974, FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5865721.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.