Companies have not assessed a man well enough before he took out payday loans. Now going to the Consumer ombudsman in the matter.

Book now goes into a general principle of trial on a overgældsat consumer. The case can have a big impact for others who also are overgældsatte.

The typing of the Consumer ombudsman, Christina Toftegaard Nielsen, Thursday in a press release.

Three banks, a mortgage lender and nine companies, who offer payday loans, have given a consumer loan in 2018, as he was not properly rated to be able to record.

Consumer had a tight economy and should not have had the opportunity to record several loans, consider the Consumer ombudsman.

In the background, she has chosen to go into the matter.

- It is rare that I go into a specific gældssag.

- But it can be of great importance for many overgældsatte consumers, that we get clarified by the courts, on inadequate credit rating can lead to interest and fees to lapse, says Christina Toftegaard Nielsen.

If the consumer wins the case, it will not only have an impact for the specific consumer.

It can have an impact on all lånesager in Denmark, assesses the Frederick Waage, who is an associate professor in procedural law at the University of Southern denmark.

- It can define how the guidelines need to be in this area with highly indebted people, who nevertheless are being offered more loans.

- And here will the Consumer support a concrete citizen and use this case to affect the legal position, so that it will be easier for banks and kviklånsselskaber to know how to act towards the people here, he says.

In a series of letters, to which DR News has had access to, write the Consumer ombudsman to the companies, that the consumer's loan to be made null and void - cancelled - as a result of the insufficient credit rating.

A cancellation means that interest rates and other costs connected with the loan not be paid back. The loan itself must still be repaid.

One of the companies has the competition the consumer and demanded that the debt is paid. This is the case, the Consumer ombudsman is going to lead on behalf of the consumer.

/ritzau/