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-3624172
1 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3624172 The complaint Mr P complains that NewDay Ltd has irresponsibly lent to him. Mr P is represented by a claims management company 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 P himself. What happe... (5 pages)View decision -
Decision Reference DRN-3425300
1 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3425300 The complaint Miss M complains that NewDay Ltd trading as Marbles irresponsibly allowed her to open a credit card account which was unaffordable and irresponsibly increased the credit limits. What happened Miss M says the Marbles account was opened in October 2017 with a credit... (2 pages)View decision -
Decision Reference DRN-3443799
29 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3443799 The complaint Mr R complains NewDay Ltd irresponsibly provided him with a credit card. What happened NewDay approved Mr R for a credit card in October 2020. The initial limit was £250. This was later increased to £1,250. On both occasions (the initial application and the subseq... (4 pages)View decision -
Decision Reference DRN-3474004
29 Jul 2022 NewDay Ltd UpheldConsumer CreditDRN-3474004 The complaint Mr M complains that NewDay Ltd trading as AO Finance allocated payments to his accounts in way that disadvantaged him. 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 in... (2 pages)View decision -
Decision Reference DRN-3614638
29 Jul 2022 NewDay Ltd UpheldConsumer CreditDRN-3614638 Complaint Ms C has complained that NewDay Ltd (trading as “Marbles”) irresponsibly provided her with an unaffordable credit card and loan. She’s said she’d already had difficulty repaying what she owed and shouldn’t have been lent to. Background Ms C was provided with a Marbles... (5 pages)View decision -
Decision Reference DRN-3614463
28 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3614463 The complaint Mr B complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved his credit card application. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: In October 2020 Mr B applied... (3 pages)View decision -
Decision Reference DRN-3571410
27 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3571410 The complaint Miss M complains that NewDay Ltd trading as Aqua (‘NewDay’) irresponsibly gave her a credit card account that she couldn’t afford. What happened In November 2017, Miss M applied for a credit card account with NewDay. She was given an initial credit limit of £300. ... (2 pages)View decision -
Decision Reference DRN-3616983
27 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3616983 The complaint Mr P complains that NewDay Ltd trading as Aqua has irresponsibly lent to him. What happened Mr P was approved for a branded NewDay credit card in June 2019 with an initial £900 credit limit. NewDay increased the credit limit on multiple occasions which I have deta... (4 pages)View decision -
Decision Reference DRN-3585299
27 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3585299 The complaint Ms C complains that NewDay Ltd lent to her irresponsibly. What happened In August 2015 Ms C opened a store card account with NewDay. She had an account limit of £1,000 which was increased to £1,300 in February 2016. Ms C says that NewDay shouldn’t have lent to her... (3 pages)View decision -
Decision Reference DRN-3571623
25 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3571623 The complaint Mr P says NewDay Ltd (“NewDay”) irresponsibly lent to him. He has requested that the interest and late payment charges he paid on the account be refunded. What happened This complaint is about a credit card account provided by NewDay to Mr P. The account was opene... (4 pages)View decision