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-3592167
18 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3592167 The complaint Miss B complains that NewDay Ltd didn’t refund a payment she made. What happened In November 2021, Miss B attended a photoshoot with a company I’ll call “T”. Miss B had paid a £50 refundable deposit to secure her place following an application she made to be asses... (3 pages)View decision -
Decision Reference DRN-3804287
17 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3804287 The complaint Mrs B complains about a credit card account she has with NewDay Ltd and in particular, the way that NewDay has dealt with a claim made under Section 75 of the Consumer Credit Act (S75). Mrs B is represented in the complaint by Mr S but for ease I have referred to ... (6 pages)View decision -
Decision Reference DRN-3735821
11 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3735821 The complaint The estate of Mr W complains about issues adding a power of attorney to the late Mr W’s account with NewDay Ltd (“NewDay”). The estate of Mr W is being represented by his daughter. What happened Before Mr W sadly died, Mr W’s daughter was in the process of adding ... (2 pages)View decision -
Decision Reference DRN-3735216
11 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3735216 The complaint Mrs K complains that NewDay Ltd incorrectly added a marker about her at CIFAS, the national fraud database, causing her financial difficulties and distress. What happened Mrs K explains that her accounts with other financial businesses were closed within a short s... (3 pages)View decision -
Decision Reference DRN-3799264
10 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3799264 The complaint Miss J says NewDay Limited, has treated her unfairly in relation to a transaction on her credit card which paid for flights. What happened In March 2020 Miss J used her NewDay credit card to pay for various flights in South America. She paid a company I’ll call “F... (6 pages)View decision -
Decision Reference DRN-3625101
10 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3625101 The complaint Mrs K complains that NewDay Ltd trading as Evans Mastercard (“NewDay”) upgraded her store card account to a credit card account against her wishes. What happened Mrs K held an Evans branded store card for a number of years. More recently, NewDay provided and manag... (3 pages)View decision -
Decision Reference DRN-3605525
10 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3605525 The complaint Miss N complains that NewDay Ltd lent to her irresponsibly and charged high rates of interest. What happened Miss N took out an Aqua credit card with NewDay in March 2017 with an initial credit limit of £900, followed by three credit limit increases. The account w... (4 pages)View decision -
Decision Reference DRN-3798687
9 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3798687 The complaint Miss M complains that NewDay Limited, trading as Aqua, irresponsibly lent to her by providing her with two credit cards and by regularly increasing her credit limits. I know that NewDay did not make the initial lending decisions in Miss M’s case. But it is respons... (5 pages)View decision -
Decision Reference DRN-3560558
9 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3560558 The complaint Miss C complains NewDay Ltd sent her emails that incorrectly said she was over her credit limit. She’s also unhappy with the interest charged on her account, and the level of customer service they’ve provided. What happened Miss C has a credit card account with Ne... (4 pages)View decision -
Decision Reference DRN-3748450
8 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3748450 The complaint Miss D complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss D applied for a credit card with Aqua in 2016. It was approved with an initial credit limit of... (3 pages)View decision