NewDay Ltd

Financial Ombudsman decision DRN-2914955 Upheld

Upheldoutcome, as published by the Ombudsman

£100redress stated in the decision

Wed Aug 25deadline 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 J is unhappy that NewDay Ltd approved her for a credit account that was unaffordable for her at that time.Irresponsible lending

NewDay must remove all reporting relating to this account from Miss J’s credit file such as though it had never been approved or opened.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-2914955.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.