NewDay Ltd

Financial Ombudsman decision DRN2267446 Upheld

Upheldoutcome, as published by the Ombudsman

£150redress stated in the decision

Wed Jul 29deadline 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

Unauthorised transaction, Credit file reporting

In the Ombudsman’s words

Mr K complains that NewDay Cards Limited is requiring him to repay the outstanding debt on a Debenhams credit card. He says he did not apply for or use the card and is not liable for the debt.Unauthorised transaction

It is also inappropriate for it to record the account on Mr K’s credit file.Credit file reporting

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN2267446.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.