NewDay Ltd

Financial Ombudsman decision DRN-3537180 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Fri Jul 08deadline 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 S complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved a credit card application and later increased the credit limit.Irresponsible lending

NewDay should remove all adverse information recorded about the Fluid credit card from inception onwards. NewDay should ensure no future adverse information is recorded on Miss S’ credit file in relation to the Fluid credit cardCredit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-3537180.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.