NewDay Ltd

Financial Ombudsman decision DRN-2851087 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Wed Jun 30deadline 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 H believes that NewDay Ltd, trading as Aqua, provided both a credit card and a personal loan to her when her financial circumstances at the time of the applications were such that these financial products were unaffordable for her.Irresponsible lending

Aqua must also remove all adverse information relating to this loan from Miss H’s credit file, if such adverse reporting exists.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2851087.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.