How NewDay Ltd Weaponises the PayDown Plan Against Responsible Borrowers — Justice-Focused Advocate for Financial Accountability This week, I received a letter from NewDay Ltd informing me without consent that I had been placed on their PayDown repayment plan for the maximum term of 48 months. No discussion, no transparency, no terms and conditions…
NewDay Ltd and Persistent Debt: Over the past few years, UK credit card customers have received waves of letters warning them that they’re in “persistent debt.” The Financial Conduct Authority (FCA) introduced rules requiring lenders to step in when a customer pays more in interest than toward their actual balance for over 18 months. In…
In today’s challenging financial landscape, many responsible borrowers are alarmed by how forced repayment plans can actually prolong your debt. NewDay Ltd, a major credit provider in the UK, has recently come under fire for imposing repayment plans that seem designed to favour their own financial interests—at the expense of consumers. In this post,…
Are NewDay Ltd’s Persistent Debt Policies Unfair to Borrowers? Managing debt responsibly requires careful planning—strategic payments, credit score optimization, and balancing multiple financial obligations. However, NewDay Ltd is imposing forced repayment plans on borrowers, disrupting their financial strategies and prioritizing their own interests over consumer autonomy. I recently received a letter stating that NewDay…
The Call for Migrants to Sleep in Tents: A Policy at Odds with Human Rights and the Law A recent statement from Reform UK’s newly elected Greater Lincolnshire mayor, Dame Andrea Jenkyns, has ignited widespread criticism and concern. She suggested that migrants should be housed in tents instead of hotels, arguing that such accommodations…
The BBC Licence Fee: An Unenforceable System in Decline? Introduction The BBC licence fee has long been a controversial topic in the UK, with critics arguing that it is outdated, unfair, and unenforceable. Recent statements from Culture Secretary Lisa Nandy highlight growing concerns about the declining number of people paying the fee, the difficulty…
Your Right to Reject a Forced Repayment Plan: FCA Regulations Explained Understanding Persistent Debt & Your Legal Protections If you’ve had a credit balance for over 36 months, your lender may classify your account as persistent debt under Financial Conduct Authority (FCA) guidelines. They might pressure you to increase payments or place you on…
How can you protect yourself? It does not take common sense to know the internet is a place where malicious people are on the rise and if your running a VPN end node you have to show some level of pre-emotive protection for your self and people using your node to try to make the…
Tories in a rush to push PIP payments through The conservatives are rushing to get the green paper pushed though so that he next government has to implement it before the next election. It may be regarded as the last destructive act of the conservative party, changing the payment for the disabled people that was…
Epic Games enabling hackersLoosing your account is stressful at the best of times but Epic Games wont help you get your account back There is a whole Redit thread on people that loose there accounts and find that Epic Games will not give them back there accounts despite them providing proofs that they are asking…