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Total Home Loans Direct Limited

Financial Ombudsman decision DRN1834223 Upheld

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 H complains that Total Home Loans Direct Limited, trading as THL Direct, gave him loans he couldn’t afford to repay.Irresponsible lending

To remove any negative information about the refunded loans from Mr H’s credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN1834223.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.