WDFC UK Limited

Financial Ombudsman decision DRN4667686 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Fri Mar 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, Credit file reporting, Service failure

In the Ombudsman’s words

Wonga has not shown that it carried out proper affordability checks before it lent Ms K the money.Irresponsible lending

I consider that this default was wrongly applied and Wonga should be asked to remove it.Credit file reporting

Wonga appear to have sent incorrect emails about her account and been unhelpful when Ms K has tried to arrange a repayment plan.Service failure

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4667686.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.