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Elevate Credit International Limited

Financial Ombudsman decision DRN9703943 Upheld

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 C complains that Elevate Credit International Limited (trading as Sunny) didn’t carry out sufficient affordability checks before lending to him.Irresponsible lending

She added that negative information should be removed from Mr C’s file for loans 1 to 4 and that loan 5 onwards should be removed from Mr C’s credit file.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: DRN9703943.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.