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-3607313
16 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3607313 The complaint Mrs H complains that NewDay Ltd (“NewDay”) irresponsibly granted her four credit accounts that she couldn’t afford to repay. What happened Mrs H entered into agreements with NewDay to have access to credit with four separate credit card accounts. The first, a Debe... (4 pages)View decision -
Decision Reference DRN-3432778
15 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3432778 The complaint Miss P complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved a credit card application for Miss P in November 2019. They initially provided a credit limit of £450 bu... (2 pages)View decision -
Decision Reference DRN-3460336
12 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3460336 The complaint Mr H complains that NewDay Ltd failed to pursue a chargeback claim for returned goods. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not in dispute so instead I’ll focus on giving the r... (2 pages)View decision -
Decision Reference DRN-3477242
11 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3477242 The complaint Mr M complains that NewDay Ltd (“NewDay”) irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr M in February 2015. They initially provided a credit limit of £250 but in August 2015 they i... (3 pages)View decision -
Decision Reference DRN-3630737
4 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3630737 The complaint Mr J complains that NewDay Ltd have irresponsibly lent to him. Mr J is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr J himself. What happened Mr J ... (4 pages)View decision -
Decision Reference DRN-3568121
3 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3568121 The complaint Mrs B complains that NewDay Ltd won’t refund the payment she made to a scam. 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 dispute, so I’ll focus on giving the reasons for my deci... (2 pages)View decision -
Decision Reference DRN-3445727
3 Aug 2022 NewDay Ltd Not upheldConsumer CreditDRN-3445727 The complaint Mrs T complains that the interest rate NewDay Ltd charge on her store credit card is too high and her payments are not reducing the balance she owes. What happened Mrs T has held a retail store card since around 2000. While originally provided by a high street ret... (2 pages)View decision -
Decision Reference DRN-3419175
3 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3419175 The complaint Miss P is unhappy as she feels that NewDay Ltd, trading as Aqua, provided her with credit that wasn’t affordable for her. What happened In April 2019, Miss P applied for a NewDay credit account. Her application was approved, and NewDay issued Miss P with an accoun... (3 pages)View decision -
Decision Reference DRN-3369027
3 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3369027 The complaint Mr B complains that NewDay Ltd trading as Amazon Card irresponsibly allowed him to open a credit card account which was unaffordable. What happened Mr B says the Amazon Card account was unaffordable and he shouldn’t have been allowed to open the account. He says t... (2 pages)View decision -
Decision Reference DRN-3417166
1 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3417166 The complaint Ms O is unhappy that NewDay Ltd, trading as Aqua, approved her for credit which she feels wasn’t affordable for her at that time. What happened In September 2020, NewDay approved an application made by Ms O for a new line of credit and issued her with a credit car... (3 pages)View decision