Western Circle Limited

Financial Ombudsman decision DRN-5925390 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Tue Mar 24deadline 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, Complaint handling

In the Ombudsman’s words

Miss L complains that Western Circle Ltd trading as Pay Day Bad Credit (“Western Circle”) lent to her irresponsibly.Irresponsible lending

Miss L raised a second complaint ‘…concerning the inappropriate and irrelevant inclusion of debt advice and gambling support services in their prior correspondence to me.’ Miss L says that it was upsetting for her to receive this and it was unprofessional. Further, Miss L states that Western Circle failed fully to address that second complaint and so was in breach of its obligation to investigate her complaint on that point.Complaint handling

Rules cited

FCA CONC (Consumer Credit sourcebook)

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-5925390.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.