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-4069709
19 Apr 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4069709 The complaint Mr M is unhappy as he feels NewDay Ltd provided credit to him which he couldn’t afford and that this should have been evident to NewDay, had they undertaken checks into his financial position before providing that credit. What happened In January 2020, Mr M applie... (5 pages)View decision -
Decision Reference DRN-3740492
19 Apr 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3740492 The complaint Mr M is unhappy how NewDay Ltd, the issuer of his Amazon credit card, handled his request for help to recover money when he was unable to make use of pre-booked airline flights. What happened In November 2021, Mr M paid for flights for him and his family to travel... (4 pages)View decision -
Decision Reference DRN-4076598
18 Apr 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4076598 The complaint Mr A complains NewDay Ltd trading as Fluid (NewDay) acted irresponsibly when it approved a credit card account for him. What happened Mr A says he applied for a credit card with NewDay in August 2020, and he was provided with a credit card limit of £1,200. Mr A sa... (2 pages)View decision -
Decision Reference DRN-3644725
14 Apr 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3644725 The complaint Miss P complained that NewDay Ltd, trading as Aqua (“NewDay”), irresponsibly granted her a credit card account that she couldn’t afford to repay. What happened Miss P took out a credit card with NewDay in May 2018 (card number ending 7900). This card account was c... (3 pages)View decision -
Decision Reference DRN-4004916
7 Apr 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4004916 The complaint Miss W complains that NewDay Ltd trading as Aquacard rejected her disputed transaction claim. What happened Miss W used her Aqua credit card to pay for a travel experience. The event was cancelled by the merchant and rescheduled to a later date at a different loca... (2 pages)View decision -
Decision Reference DRN-4032621
5 Apr 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4032621 The complaint Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr S applied for a credit card with Aqua in March 2019. Aqua approved the application and gave Mr S a credit card with an initial credit limit of £900. Mr S says that Aqua lent... (2 pages)View decision -
Decision Reference DRN-4045882
4 Apr 2023 NewDay Ltd UpheldConsumer CreditDRN-4045882 The complaint X complains that NewDay Ltd led her to believe her claim to reject a faulty item of furniture had been accepted. What happened I want to assure X, if I don’t address every point that’s been raised, it’s not because I haven’t thought about it. I have considered eve... (4 pages)View decision -
Decision Reference DRN-4024710
1 Apr 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4024710 The complaint Miss M complains that NewDay Ltd trading as Fluid Credit Card irresponsibly allowed her to open a credit card account which was unaffordable. What happened Miss M says she opened the Fluid account in December 2021 but says the application should not have been appr... (2 pages)View decision -
Decision Reference DRN-4055773
29 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4055773 The complaint Ms E complains NewDay Ltd have not dealt fairly with a claim she made for a refund in relation to tickets to a festival paid for with a NewDay credit card. What happened I issued a provisional decision on Ms E’s complaint on 9 March 2023 in which I set out the bac... (3 pages)View decision -
Decision Reference DRN-3872764
28 Mar 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3872764 The complaint Miss F is unhappy how NewDay Ltd trading as Marbles (NewDay) handled her request for help to recover money following the cancellation of airline flights. What happened In February 2021 Miss F booked some flights, scheduled for mid-September 2021. She booked them t... (3 pages)View decision