WDFC UK Limited

Financial Ombudsman decision DRN5055627 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Wed May 16deadline 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 N complains that WDFC UK Limited, trading as Wonga, lent to him irresponsibly.Irresponsible lending

Mr N also says his credit report should’ve shown he was in a debt plan and had other problems with defaults, late payments and the amount of credit he already had outstanding.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: DRN5055627.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.