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-3729432
7 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3729432 The complaint Mrs B complains that NewDay Ltd trading as Fluid irresponsibly provided her with, and increased the limit on, a credit card that she couldn’t afford the repayments on. What happened NewDay provided Mrs B with a credit card and increased the limit as follows: Date ... (3 pages)View decision -
Decision Reference DRN-3639952
5 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3639952 The complaint Mr M says NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr M’s complaint is about a credit card account provided by NewDay. The account was opened in September 2015. Mr M was given an initial credit limit of £900. This was increased to £1900 ... (3 pages)View decision -
Decision Reference DRN-3368506
4 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3368506 The complaint Miss M complains that NewDay Ltd (“NewDay”) was irresponsible in approving her credit card applications and increasing the credit limits on her accounts. What happened Miss M held five credit card accounts with NewDay, all of which were opened in the period from 2... (3 pages)View decision -
Decision Reference DRN-3707750
4 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3707750 The complaint Mr Y complains that in May 2021 he had cleared the balance on his credit card account with NewDay Ltd trading as Aqua (“Aqua”) and had requested the account to be closed. However, this was not done, and further interest was applied which he was not aware of. This ... (2 pages)View decision -
Decision Reference DRN-3634390
30 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3634390 The complaint Mr P complains that NewDay Ltd (“NewDay”), trading as Fluid, irresponsibly granted him a Fluid credit card account that he couldn’t afford to repay. What happened Mr P entered into an agreement with NewDay to have access to credit with an account that was opened f... (3 pages)View decision -
Decision Reference DRN-3425293
29 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3425293 The complaint Miss O says NewDay Ltd trading as Marbles Card irresponsibly lent to her. What happened Miss O’s complaint is about a credit card account provided by NewDay. The account was opened in December 2015. Miss O was given an initial credit limit of £450. This limit was ... (3 pages)View decision -
Decision Reference DRN-3725240
29 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3725240 The complaint Mr H complains NewDay Ltd (NewDay) having agreed he could make an overpayment to his credit card account for a car purchase, then refused the transaction and took over a month to return the funds to his bank account. What happened Mr H says he telephoned NewDay in... (3 pages)View decision -
Decision Reference DRN-3694676
28 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3694676 The complaint Ms F complains NewDay Ltd trading as Pulse won’t send one-time passcodes by email and about the interest rate she was charged on her account which she says was too high. What happened Ms F has a credit card which she took out several years ago – it was a different... (5 pages)View decision -
Decision Reference DRN-3587403
28 Sep 2022 NewDay Ltd UpheldConsumer CreditDRN-3587403 The complaint Miss K says NewDay Ltd irresponsibly lent to her. She has requested that not only should the interest and late payment charges she paid on the accounts be refunded but she also thinks the debt should be written off. What happened This complaint is about two accoun... (3 pages)View decision -
Decision Reference DRN-3722035
27 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3722035 The complaint Mrs B complains that NewDay Ltd irresponsibly gave her an Amazon Mastercard credit card account that she couldn’t afford. For simplicity I will refer to the business as ‘NewDay’. What happened On 2 April 2020, Mrs B applied for a credit account with NewDay. She wa... (3 pages)View decision