NewDay Ltd

Financial Ombudsman decision DRN-6248084 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Wed Apr 22deadline 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

Mr K complains that NewDay Limited provided him with two credit card accounts, and credit limit increases, irresponsibly.Irresponsible lending

NewDay should also ensure that any adverse information about that credit card account relating to balances over £450 after the credit limit was increased in March 2025 that it’s reported to the credit reference agencies is removed from Mr K’s credit file.Credit file reporting

Rules cited

Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN-6248084.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.