NewDay Ltd

Financial Ombudsman decision DRN-3313894 Upheld

Upheldoutcome, as published by the Ombudsman

£200redress stated in the decision

Sat May 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

Credit file reporting, Complaint handling

In the Ombudsman’s words

Mrs L complains that NewDay Ltd trading as Debenhams Mastercard unfairly filed a default with credit reference agencies about her account.Credit file reporting

It said it was still awaiting a response from the s.75 team and she would be contacted by that team. But, it said in the meantime she’d still have to pay the monthly payments and regulatory letters would still be issued to her.Complaint handling

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3313894.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.