NewDay Ltd

Financial Ombudsman decision DRN-2689634 Upheld

Upheldoutcome, as published by the Ombudsman

£450redress stated in the decision

Fri Apr 16deadline 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

Ms Q thinks that NewDay Ltd, trading as Aqua, lent to her irresponsibly when approving her for a credit card and when the credit limit on the card was later increased.Irresponsible lending

NewDay should recall the account from the debt collection agency and remove any adverse information from Ms Q’s credit file following the credit limit increase in April 2018.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2689634.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.