I received my new NewDay card sometime in November 2022, within two weeks I suddenly receive a bill for £4,485.79 when I asked them what this was they simply said I have to pay £450 a month. This has been taken to the head of NewDay, Financial Ombudsman John Lewis Partnership Card and HSBC even though the head apologesed and reimbursed me £90 NewDay decided to get Moorcroft Dept Recovery. Infact I never used the card in the said weeks so how did I spent this large amount of money. Someone must be a full time crook to even get away with this crime. I don't know what to do when dept collectors are involved. It's obvious they don't fear the Financial Ombudsman conduct.