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-3841017
5 Dec 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3841017 The complaint Mr S complains that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it increased his credit limit. What happened NewDay opened a credit card account for Mr S in April 2020 with a credit limit of £450. This type of credit was an open-ended or runnin... (4 pages)View decision -
Decision Reference DRN-3835509
1 Dec 2022 NewDay Ltd Not upheldConsumer CreditDRN-3835509 The complaint Miss B complains that NewDay Ltd acted irresponsibly when they agreed to provide two credit card accounts and later increased the account limits to a level that was unaffordable. Miss B is represented by a claims management company (“the CMC”). What happened In Ma... (4 pages)View decision -
Decision Reference DRN-3772127
30 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3772127 The complaint Mrs C complains NewDay Ltd (NewDay) failed to deal with a section 75 claim fairly. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on giving my reasons for my decision. What I’ve dec... (2 pages)View decision -
Decision Reference DRN-3763049
30 Nov 2022 NewDay Ltd Not upheldConsumer CreditDRN-3763049 The complaint Mr G complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two credit card account facilities that he couldn’t afford. What happened In January 2018, Mr G applied for and was given a credit card account with NewDay with an initial credit limit of £600, under... (2 pages)View decision -
Decision Reference DRN-3693228
29 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3693228 The complaint Mr M complains about NewDay Ltd’s (“NewDay’s”), trading as Amazon Credit Card, handling of a chargeback claim he made to them. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on givi... (2 pages)View decision -
Decision Reference DRN-3825857
29 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3825857 The complaint Mrs R complains that NewDay Ltd (‘NewDay’) irresponsibly gave her a credit card account and credit limit increases that she couldn’t afford. What happened In January 2020, Mrs R applied for a credit card account with NewDay. She was given an initial credit limit o... (2 pages)View decision -
Decision Reference DRN-3443514
29 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3443514 The complaint Miss B complains about the way NewDay Ltd trading as Fluid managed her account and for providing her with misleading information. What happened The details of this complaint are well-known to both parties, so I won’t repeat them again here. The facts aren’t in dis... (2 pages)View decision -
Decision Reference DRN-3809817
28 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3809817 The complaint Mrs S complains that NewDay Ltd trading as Aqua, irresponsibly increased the credit limit for a credit card she held with it and that she subsequently found the repayments unaffordable. What happened In August 2006, Mrs S opened a credit card account with NewDay w... (5 pages)View decision -
Decision Reference DRN-3803728
28 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3803728 The complaint Mr L says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr L opened an Aqua card in March 2021. It had a £900 credit limit. This was increased to £1,900 in August 2021. He says NewDay should have checked his credit record, it would have see... (3 pages)View decision -
Decision Reference DRN-3803721
28 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3803721 The complaint Ms C says NewDay Ltd, trading as Fluid, irresponsibly lent to her. What happened Ms C opened a Fluid card in November 2019. It had a £300 credit limit. She says that was affordable for her at the time but as her circumstances changed NewDay should not have increas... (2 pages)View decision