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-3471150
16 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3471150 The complaint Mr O complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. What happened Mr O says that adequate checks weren’t carried out before he was provided with an Amazon credit card by NewDay. He says at the time he had several other cards. Ne... (3 pages)View decision -
Decision Reference DRN-3453613
16 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3453613 The complaint Ms M complains that NewDay Ltd trading as Aqua was irresponsible in its lending to her. What happened Ms M says that had adequate checks been carried out NewDay would have seen that there was a county court judgement recorded on her credit file and it would have r... (3 pages)View decision -
Decision Reference DRN-3316244
13 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3316244 The complaint Mrs H complains that NewDay Ltd didn’t refund money she lost as part of a scam. What happened Mrs H was searching online for investment opportunities and came across a company I’ll call ‘E’. She was interested in investing with them because well-known celebrities ... (4 pages)View decision -
Decision Reference DRN-3425867
13 May 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3425867 The complaint Mr E complains that NewDay Ltd (‘NewDay’) irresponsibly gave him 2 credit card account facilities that he couldn’t afford. What happened On 8 November 2017, Mr E applied for and was given a credit card account with NewDay with a credit limit of £900 under the trad... (2 pages)View decision -
Decision Reference DRN-3415872
13 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3415872 The complaint Mr P complains that NewDay Ltd trading as Amazon Classic MasterCard was irresponsible in increasing the credit limit of his credit card account. What happened Mr P opened a credit card account with NewDay in July 2019 with a credit limit of £500. In August 2020 hi... (3 pages)View decision -
Decision Reference DRN-3415264
13 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3415264 The complaint Miss S, who is represented by a claims management company (CMC), complains that NewDay Ltd trading as Argos Classic Credit Card were irresponsible in agreeing to a credit card account and later increasing her limit. What happened The details of this complaint are ... (2 pages)View decision -
Decision Reference DRN-3400771
12 May 2022 NewDay Ltd Not upheldConsumer CreditDRN-3400771 The complaint Mrs W complains that NewDay Ltd (NewDay) added markers to her credit file. What happened Mrs W had a Debenhams card (issued by NewDay). The limit was £500. It had a nil balance until February 2020 – when purchases of £125.99 were made. Further purchases were made ... (3 pages)View decision -
Decision Reference DRN-3436998
12 May 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3436998 The complaint Ms R complains about the service she received from NewDay Ltd (trading as Aqua) when she tried to extend the payment freeze on her account with them. What happened Ms R holds a credit card account with Aqua. A payment freeze had been agreed by Aqua on Ms R’s accou... (4 pages)View decision -
Decision Reference DRN-3469121
10 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3469121 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. What happened Mr S took out an Aqua credit card in November 2018. It initially had a credit limit of £1,200. Mr S thinks the initial limit was fair but then the credit limit wa... (3 pages)View decision -
Decision Reference DRN-3168008
9 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3168008 The complaint Miss C is unhappy that NewDay Ltd increased the credit limit on her credit account on several occasions, all of which she feels were unaffordable for her at those times. What happened In March 2018, Miss C applied for a NewDay administered credit account. Her appl... (3 pages)View decision