Apfin Ltd
Financial Ombudsman decision DRN4755973 Partly upheld
Partly upheldoutcome, as published by the Ombudsman
£60redress stated in the decision
Fri Dec 01deadline 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
In the Ombudsman’s words
Mr Y complains about payday loans taken with Apfin LTD (trading as cashasap) which he says were unaffordable, so the loans shouldn’t have been given to him.Irresponsible lending
remove any adverse information recorded on Mr Y’s credit file about these loans.Credit file reporting
Rules cited
FCA CONC (Consumer Credit sourcebook)
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN4755973.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.