NewDay Ltd

Financial Ombudsman decision DRN-4786956 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Thu Jun 20deadline 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

Miss J complains that NewDay Ltd, who I’ll call NewDay, were unreasonable to report a missed payment to the credit reference agencies while she was on a payment holiday.Credit file reporting

They agreed that they failed to write to her to explain the terms of her payment holiday and if they had it would have been clearer that existing missed payments would continue to be reported.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-4786956.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.