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-3373387
24 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3373387 The complaint Ms H complains about credit card interest charged by NewDay Ltd trading as Amazon Platinum Credit Card (Amazon). What happened In May 2021 Ms H opened an Amazon credit card that had a 0% promotional interest rate. Ms H transferred a balance to her card and began m... (2 pages)View decision -
Decision Reference DRN-3521687
23 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3521687 The complaint Ms R complains that New Day Ltd trading as Marbles Classic unfairly recorded her account as in default and sold it to a third party when she experienced a period of financial difficulty. What happened Ms R had a credit card with Marbles. In 2019, she experienced s... (3 pages)View decision -
Decision Reference DRN-3216349
22 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3216349 The complaint Mr D complains about the way NewDay Ltd trading as Aqua handled his chargeback claim. What happened In November 2020 Mr D ordered some items from an online supplier and paid using his NewDay card. One of the items in the order didn’t arrive. So Mr D contacted NewD... (2 pages)View decision -
Decision Reference DRN-3474379
22 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3474379 The complaint Mr T complains that NewDay Ltd (trading as Aqua) won’t refund him for a transaction he says he didn’t agree to. He would like the transaction refunded. What happened Mr T has an Aqua credit card. He noticed a charge of his card of £34.99 to a software merchant for... (3 pages)View decision -
Decision Reference DRN-3332199
22 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3332199 The complaint Miss C says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Miss C applied for a credit card in March 2017. It was approved with a limit of £1,200 and she was given five subsequent credit limit increases by NewDay. The first increase in July ... (3 pages)View decision -
Decision Reference DRN-3458638
22 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3458638 The complaint Miss J’s complaint is about two credit cards that she says were irresponsibly lent by NewDay Ltd. What happened The details of this complaint are well known to both parties, and have been summarised by our investigator, so I won’t repeat them again here. The facts... (3 pages)View decision -
Decision Reference DRN-3473424
22 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3473424 The complaint Mr E has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr E opened a credit card account with NewDay (trading as Aqua) in December 2017. His credit limit was £450 and was never increased. Mr E says that NewDay shouldn’t have ... (2 pages)View decision -
Decision Reference DRN-3554149
22 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3554149 The complaint Mrs M complains that NewDay Ltd trading as House Of Fraser (“NewDay”) unfairly declined her claim under the Consumer Credit Act 1974 (“CCA”). What happened In September 2015, Mrs M, along with her husband, bought membership with a holiday club called “E” 1 . The t... (6 pages)View decision -
Decision Reference DRN-3331952
22 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3331952 The complaint Ms R, through a representative, says NewDay Ltd irresponsibly lent to her. What happened Ms R took out a credit card from NewDay in October 2016, she was given a credit limit of £250. In October 2017 NewDay increased this to £500. Ms R says the lending was never a... (3 pages)View decision -
Decision Reference DRN-3473210
21 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3473210 The complaint Mr S complains that NewDay Ltd (‘NewDay’) irresponsibly gave him a credit card account facility that he couldn’t afford. What happened On 24 December 2020, Mr S applied for and was given a credit card account with NewDay with a credit limit of £600 under the tradi... (2 pages)View decision