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 2542 results
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Decision Reference DRN-3447957
17 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3447957 The complaint Mr D says NewDay Ltd restricted the online access to his credit card account. It didn’t lift this when he called to find out why, yet still demanded payment despite him being unable to check his statements. What happened NewDay applied a fraud block to Mr D’s acco... (2 pages)View decision -
Decision Reference DRN-3548748
17 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3548748 The complaint Mr G complains that NewDay Ltd trading as Aqua have irresponsibly lent to him. Mr G 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 G hi... (3 pages)View decision -
Decision Reference DRN-3547212
16 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3547212 The complaint Mrs B complains that NewDay Ltd trading as Aqua (NewDay) lent to her irresponsibly when it gave her a credit card. Mrs B is assisted in this matter by her son. But, for ease, I’ll refer to Mrs B throughout. What happened Mrs B took out an Aqua branded credit card ... (4 pages)View decision -
Decision Reference DRN-3504008
16 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3504008 The complaint Mr D complains that NewDay Ltd trading as Marbles unfairly closed his credit card and recorded a default on his credit file. Mr D also complains that Marbles harassed him for payment. What happened Mr D had a Marbles credit card and in December 2020 entered a paym... (2 pages)View decision -
Decision Reference DRN-3435324
14 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3435324 The complaint Mr W complains that NewDay Ltd trading as Aqua recorded a default on his credit file. What happened Mr W had a credit card account with Aqua. In July 2020, he contacted Aqua and told it about his personal circumstances. He explained the impact they were having on ... (2 pages)View decision -
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