WDFC UK Limited

Financial Ombudsman decision DRN5255802 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Thu Sep 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, Credit file reporting

In the Ombudsman’s words

Wonga hasn’t shown it carried out proper checks or that the loans and top ups were affordable and should’ve been granted. Consequently, I don’t think it’s shown that any of its lending to Mr M was responsible.Irresponsible lending

Furthermore, as the loans shouldn’t have been granted it’s also fair for Wonga to remove all reference to them on Mr M’s credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN5255802.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.