NewDay Cards Ltd
Financial Ombudsman decision DRN7982123 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
Mrs K complains that NewDay Cards Limited is requiring her to repay the outstanding debt on a Debenhams credit card. She says she did not use the credit card and is not liable for the debt.Unauthorised transaction
It is also inappropriate for it to record the unpaid debt on Mrs K’s credit file.Credit file reporting
Rules cited
Source
This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN7982123.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.