We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 2246 results
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Decision Reference DRN-5678084
28 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5678084 The complaint Mr O is unhappy that NewDay Ltd closed his account. What happened Mr O had a credit account with NewDay. Mr O engaged with a Claims Management Company (“CMC”) which raised a complaint with NewDay on Mr O’s behalf. Shortly afterwards, Mr O noticed that his NewDa... (2 pages)View decision -
Decision Reference DRN-5717885
28 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5717885 The complaint Miss W complains NewDay Ltd trading as AO Finance failed to carry out sufficient checks before giving her a credit card. What happened Miss W complains NewDay lent to her irresponsibly when they gave her a credit card in April 2022, with a £700 credit limit. ... (3 pages)View decision -
Decision Reference DRN-5543077
28 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5543077 The complaint Mr C complains NewDay Ltd trading as Aqua (NewDay) acted irresponsibly when it provided him with two credit card accounts in April 2019 and February 2022. What happened Mr C says he was approved for a credit card with a £300 limit by NewDay in April 2019 at a t... (4 pages)View decision -
Decision Reference DRN-5713972
28 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5713972 Complaint Mr H has complained about credit cards and credit limit increases which NewDay Ltd (“NewDay”) provided to him. He says the credit cards as well as the limit increases were irresponsibly provided. Background NewDay provided Mr H with a total of three credit cards a... (6 pages)View decision -
Decision Reference DRN-5709511
28 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5709511 Complaint Mrs H has complained that NewDay Ltd (“NewDay”) irresponsibly provided her with credit card accounts. She says that she should never have been provided with two credit cards or such large credit limits. Background Mrs H had two credit card accounts with NewDay. Th... (5 pages)View decision -
Decision Reference DRN-5672363
25 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5672363 The complaint Mr E complains that NewDay Ltd sent letters regarding his account to an address he never lived at resulting in the account being defaulted and terminated. What happened Mr E held a credit card account with NewDay. In 2020 Mr E experienced financial difficulties... (3 pages)View decision -
Decision Reference DRN-5620984
25 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5620984 The complaint Mr H complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr H is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr H hims... (2 pages)View decision -
Decision Reference DRN-5555270
25 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5555270 The complaint Mr L is unhappy with NewDay Ltd trading as John Lewis Partnership Card (NewDay)’s handling of his refund claim. What happened Mr L purchased a pergola via a ‘Buy Now Pay Later’ (BNPL) lender I shall call ‘D’ in February 2024 using his NewDay credit card. This p... (4 pages)View decision -
Decision Reference DRN-5712431
24 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5712431 The complaint Mrs W complains that NewDay Ltd have irresponsibly lent to her. What happened Mrs W was approved for a NewDay branded credit card in January 2020 (which I will refer to as A in this decision). A was approved with a £900 credit limit. I have detailed the credit ... (5 pages)View decision -
Decision Reference DRN-5691022
23 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5691022 The complaint Mrs M complains that NewDay Ltd lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs M applied for an Aqua credit card in January 2020. In her application, Mrs M said she was employed with an a... (3 pages)View decision
