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-3594533
14 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3594533 The complaint Mr C says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr C applied for a credit card in April 2014. It was approved with a limit of £250 and he was given six subsequent credit limit increases by NewDay. A summary follows. Mr C says NewDay... (3 pages)View decision -
Decision Reference DRN-3464086
13 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3464086 The complaint Mr S complains that NewDay Ltd (trading as Marbles) has recorded adverse information on his credit file about a credit card that he didn’t apply for. What happened In January 2020 Mr S became aware that a credit card account had been opened in his name and that th... (3 pages)View decision -
Decision Reference DRN-3586109
12 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3586109 The complaint Mr C complains that NewDay Ltd trading as Aquacard (“NewDay”) acted irresponsibly when they agreed to provide him with a credit card account and later increased his account limit to an unaffordable level. What happened Around October 2015, Mr C applied to NewDay f... (3 pages)View decision -
Decision Reference DRN-3590219
12 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3590219 The complaint Ms D complains that NewDay Ltd (‘NewDay’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 9 February 2018, Ms D applied for a credit card account with NewDay. She was given an initial credit limit of £600. The credit limit w... (2 pages)View decision -
Decision Reference DRN-3469866
11 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3469866 The complaint Mr L complains that NewDay Limited won’t reimburse him for a payment he made on his credit card towards what he says was an investment scam. What happened In August 2019 Mr L made a payment for £4,500 on his NewDay Mastercard credit card. Mr L believed the payment... (2 pages)View decision -
Decision Reference DRN-3518798
8 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3518798 The complaint Miss J complains that NewDay Ltd (“NewDay”) irresponsibly granted her three credit accounts that she couldn’t afford to repay. What happened Miss J entered into agreements with NewDay to have access to credit with three separate credit card accounts. The first, an... (3 pages)View decision -
Decision Reference DRN-3580937
7 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3580937 The complaint Mrs S complains that NewDay Ltd have irresponsibly lent to her. What happened Mrs S was approved for two NewDay credit cards which I will refer to as A and B. NewDay increased the credit limits on both cards, which I have detailed below. Card A – approved October ... (7 pages)View decision -
Decision Reference DRN-3568131
6 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3568131 The complaint Mr A complains about the way his account had been handled by NewDay Ltd, and the tone and content of information he’s received from NewDay after a subject access request (SAR). What happened Mr A has had a credit card account with NewDay for several years. In Octo... (5 pages)View decision -
Decision Reference DRN-3543475
5 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3543475 The complaint Mrs W complains that NewDay Ltd (“NewDay”) irresponsibly granted her three credit card accounts that she couldn’t afford to repay. What happened Mrs W entered into agreements with NewDay to have access to credit with three separate credit card accounts. The first,... (3 pages)View decision -
Decision Reference DRN-3317315
4 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3317315 The complaint Mr M is unhappy that NewDay Ltd, trading as Aqua, provided him with new and further credit which he feels was unaffordable for him at those times. What happened In June 2016, Mr M applied for a NewDay administered credit account. Mr M’s application was approved, a... (3 pages)View decision