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-3495402
13 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3495402 The complaint Ms H complains that NewDay Ltd, trading as Debenhams, lent to her irresponsibly. What happened In November 2020 Ms H opened a credit card account with NewDay. She had an account limit of £500 which didn’t change during the life of the account. Ms H says that NewDa... (3 pages)View decision -
Decision Reference DRN-3539464
13 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3539464 The complaint Mr D complains that NewDay Ltd, trading as Aqua (NewDay) acted irresponsibly in lending to him by increasing his credit card limit several times. What happened Mr D opened a NewDay credit card account in October 2013 with an initial credit limit of £500. His credi... (6 pages)View decision -
Decision Reference DRN-3536405
13 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3536405 The complaint Mr B complains that NewDay Ltd have irresponsibly lent to him. What happened Mr B 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 December 2... (6 pages)View decision -
Decision Reference DRN-3538791
13 Jun 2022 NewDay Ltd UpheldConsumer CreditDRN-3538791 The complaint Mr D complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two running account credit facilities that he couldn’t afford. What happened In February 2018, Mr D applied for an Aqua Mastercard credit account with NewDay. He was given an initial credit limit of ... (4 pages)View decision -
Decision Reference DRN-3537180
10 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3537180 The complaint Miss S complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved a credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision.... (3 pages)View decision -
Decision Reference DRN-3520668
9 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3520668 The complaint Mr B is unhappy that NewDay Ltd, trading as Aqua, provided him with credit which he feels was unaffordable for him at those times. What happened In April 2017, Mr B applied for a NewDay administered credit account. His application was approved, and NewDay issued M... (4 pages)View decision -
Decision Reference DRN-3452139
8 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3452139 The complaint Miss E complains that NewDay Ltd didn’t authorise a transaction from her credit card. What happened Miss E holds a credit card account with NewDay. In November 2021, Miss E attempted to buy two rings from a luxury department store. She’d travelled some way to vis... (3 pages)View decision -
Decision Reference DRN-3380902
7 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3380902 The complaint Mr G, represented by his wife Mrs G, complained because he was unhappy with the amount of compensation which NewDay Ltd offered following his disputed transaction claim. What happened On 19 October 2020, Mr G contacted NewDay to say he didn’t recognise a £17.97 de... (4 pages)View decision -
Decision Reference DRN-3454718
7 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3454718 The complaint Mr S has complained that NewDay Ltd trading as Marbles irresponsibly lent to him. What happened Mr S opened a credit card account with Marbles in July 2017. His credit limit was initially £450. In January 2018 his credit limit was increased to £1,200. Mr S, throu... (3 pages)View decision -
Decision Reference DRN-3400037
7 Jun 2022 NewDay Ltd Not upheldConsumer CreditDRN-3400037 The complaint Mrs T complains that NewDay Ltd (NewDay) made mistakes when she applied for a second payment holiday on her credit card account, which led to her owing more in arrears than she thought she did. Mrs T also wasn’t aware her loan was on a paydown plan. What happened ... (4 pages)View decision