NewDay Ltd

Financial Ombudsman decision DRN3419379 Upheld

Upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Nov 28deadline 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

Mrs M has complained that NewDay Ltd (trading as “Aqua”card) provided her with a credit card irresponsibly.Irresponsible lending

Aqua should also remove any adverse information recorded on Mrs M’s credit file as a result of this account.Credit file reporting

Rules cited

FCA CONC (Consumer Credit sourcebook), Consumer Credit Act 1974

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN3419379.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.