Published decisions
748
Firm-specific decision volume in the public corpus
Firm analysis
WDFC UK Limited complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving WDFC UK Limited, including outcome context, product mix, complaint themes, and representative cases.
Page summary
748 published decisions involving WDFC UK Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
748
Firm-specific decision volume in the public corpus
Upheld rate
81.2%
607 upheld decisions
Latest published decision 06 Sept 2018
Upheld rate
81.2%
607 upheld decisions
Leading product
Banking and credit
746 decisions
Leading complaint theme
Affordability Assessment Failure
471 tagged decisions
WDFC UK Limited at a glance
WDFC UK Limited appears in 748 published decisions in this corpus. 81.2% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Banking and credit is the firm’s clearest product exposure in the published decisions, with 746 decisions and an upheld rate of 81.1%.
- Latest active year in the published data: 2018 (117 decisions)
- Most common complaint theme: Affordability Assessment Failure
- Most common precedent signal: Conc
Volume and outcome trajectory
WDFC UK Limited's decision trail runs from 2013 to 2018. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, WDFC UK Limited appeared in 117 published decisions with an upheld rate of 85.5%.
- 2018: 117 decisions, 85.5% upheld
- 2017: 224 decisions, 82.1% upheld
- 2016: 235 decisions, 84.7% upheld
- 2015: 116 decisions, 83.6% upheld
- 2014: 48 decisions, 50.0% upheld
Themes, products, and precedent signals
Affordability Assessment Failure is the strongest complaint-theme signal tied to WDFC UK Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Conc, Consumer Credit Act 1974, Disp, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
- Banking and credit: 746 decisions
- Second complaint theme: Delay In Claim Handling
- Second precedent signal: Consumer Credit Act 1974
Representative cases
Recent published decisions in this slice
5 examples shown
DRN362613806 Sept 2018Upheld
WDFC UK Limited · Banking and credit
Miss E says WDFC UK Limited, trading as Wonga, lent to her irresponsibly. She says all her loans were unaffordable and that her credit file would’ve shown she was in a “hole”.background Wonga approved five loans for Miss E. Our adjudicator considered the complaint a... (2 pages)
View source decisionDRN761015606 Sept 2018Upheld
WDFC UK Limited · Banking and credit
Mr L complains about the loans he took out with WDFC UK Limited trading as Wonga. He says that he was stuck in a cycle of borrowing and dependency and his overall financial position was worsened by being lent loans by Wonga. He thinks that Wonga didn’t properly a... (5 pages)
View source decisionDRN739710705 Sept 2018Upheld
WDFC UK Limited · Banking and credit
Mr B complains that WDFC UK Limited (trading as Wonga.com) lent him money that he couldn’t afford to repay.backgroundMr B took out 12 loans and 15 top-ups with Wonga between June 2014 and October 2016. The adjudicator didn’t think that Wonga carried out adequate afford... (4 pages)
View source decisionDRN398703004 Sept 2018Upheld
WDFC UK Limited · Banking and credit
Mr G has complained about a series of payday loans he took out with WDFC UK Limited (trading as “Wonga”.com). He’s said Wonga didn’t adequately take his financial circumstances into account and as a result continued to give him high interest loans despite it being ob... (25 pages)
View source decisionDRN401447503 Sept 2018Upheld
WDFC UK Limited · Banking and credit
Mr S has complained about a series of payday loans he took out with WDFC UK Limited (trading as “Wonga”.com).He’s said Wonga failed to correctly identify that he’d become dependent on payday loans and had become stuck in a cycle of borrowing to repay previous loans. ... (40 pages)
View source decision