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 2527 results
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Decision Reference DRN-4077856
24 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4077856 The complaint Miss C complains that NewDay Ltd acted irresponsibly when it increased her credit card limit in 2021. What happened Miss C applied for a credit card with NewDay in 2020. The following year NewDay increased Miss C’s credit limit and in 2021 the credit card limit wa... (2 pages)View decision -
Decision Reference DRN-4130939
23 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4130939 The complaint Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr S’s complaint is about three Aqua accounts and a Fluid account. The first Aqua account was opened in December 2016. NewDay gave Mr S a card with an initial credit limit of £... (2 pages)View decision -
Decision Reference DRN-4130750
23 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4130750 The complaint Mr S complains that NewDay Ltd trading as Fluid lent to him irresponsibly. What happened In July 2020 Mr S applied for a credit card with Fluid. Fluid approved the application and gave Mr S a credit card with an initial credit limit of £1200. Mr S complained that ... (2 pages)View decision -
Decision Reference DRN-3981142
17 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3981142 The complaint Miss B complains that NewDay Ltd did not refund her purchase of an airline ticket. What happened In December 2021 Miss B bought a return flight and paid for it with her NewDay credit card. A few days later, on the day of the outbound flight, she was too unwell to ... (2 pages)View decision -
Decision Reference DRN-4084094
16 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4084094 The complaint Mr S complains that NewDay Ltd (“NewDay”) irresponsibly granted him two credit accounts that he says he couldn’t afford to repay. What happened Mr S entered into agreements with NewDay to have access to credit with two separate credit card accounts. The first, an ... (4 pages)View decision -
Decision Reference DRN-4085230
15 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4085230 The complaint Mr T has complained about how NewDay Ltd handled his request for money back. What happened Mr T says he made an online purchase of merchandise for £683.10 using his NewDay credit card on 5 July 2022. He tells us he reached what felt like a stalemate with the merch... (3 pages)View decision -
Decision Reference DRN-4127110
12 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4127110 The complaint Mr O complains that NewDay Ltd lent irresponsibly when it increased the credit limit on his Aqua and Marbles credit cards in 2021. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mr O appli... (5 pages)View decision -
Decision Reference DRN-4127073
12 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4127073 The complaint Mr C complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit on several occasions. What happened The background to this complaint and my initial conclusions were set out in my p... (4 pages)View decision -
Decision Reference DRN-4126527
12 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4126527 The complaint Miss S is unhappy as she feels NewDay Ltd provided credit to her irresponsibly. What happened Between December 2018 and December 2021, Miss S successfully applied to NewDay for six differently branded credit accounts. During this time, NewDay also increased the cr... (6 pages)View decision -
Decision Reference DRN-4078949
11 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4078949 The complaint Miss K complains that NewDay Ltd (“NewDay”) irresponsibly granted her a credit card account she couldn’t afford to repay. What happened Miss K entered into agreements with NewDay to have access to credit with two separate credit card accounts. The first was an Aqu... (3 pages)View decision