WDFC UK Limited

Financial Ombudsman decision DRN8837990 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Mon Aug 15deadline 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 L complains that WDFC UK Limited trading as Wonga.com didn’t carry out proper affordability checks when it lent to her.Irresponsible lending

I think it’s fair for Miss L’s to be put back in the position she would’ve been if the loan wasn’t granted. So I think that Wonga should remove all information recorded about the loan from Miss L’s credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN8837990.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.