Inventive Finance Limited

Financial Ombudsman decision DRN7046805 Upheld

Upheldoutcome, as published by the Ombudsman

£82redress stated in the decision

Thu Nov 09deadline 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

Miss S complains that Inventive Finance Limited (trading as Ladder Loans) lent her money she could not afford to repay.Irresponsible lending

The outstanding issue relates to Miss S’ credit file. As I have upheld this complaint, I find that any negative information relating to this loan should be removed from Miss S’ credit file if this has not already happened.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7046805.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.