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-3468732
9 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3468732 The complaint Mr D is unhappy that NewDay Ltd didn’t set up payment holidays on his accounts when he first requested them and that NewDay then reported missed payments on his account to the credit reference agencies. Mr D is also unhappy that NewDay later defaulted his accounts... (6 pages)View decision -
Decision Reference DRN-3379502
5 May 2022 NewDay Ltd UpheldConsumer CreditDRN-3379502 The complaint Mrs W is unhappy about the way NewDay Ltd handled her credit card account. What happened Mrs W held a credit card account provided by NewDay. In July 2020 NewDay sent a persistent debt letter to Mrs W advising her that over the last 18 months she had paid more in ... (3 pages)View decision -
Decision Reference DRN-3369683
5 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3369683 The complaint In summary, Mr C has complained that NewDay Ltd trading as Aquacard, provided him with credit limit increases on his credit card, when he wasn’t able to afford them. What happened In March 2012, NewDay provided Mr C with a credit card. The initial credit limit was... (5 pages)View decision -
Decision Reference DRN-2981332
4 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-2981332 The complaint In summary, Mr S has complained that NewDay Ltd trading as Aqua, irresponsibly provided him with a credit card and credit limit increases. What happened In January 2015, NewDay provided Mr S with a credit card. The initial credit limit was £600. In April 2015, the... (3 pages)View decision -
Decision Reference DRN-3347198
4 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3347198 The complaint and what happened Ms L complains NewDay Ltd won’t refund the money she lost when she fell victim to a scam. The full details of this complaint are well known to both parties, so I won’t repeat them here. Instead, I’ll summarise the key points and focus on giving m... (3 pages)View decision -
Decision Reference DRN-3329021
3 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3329021 The complaint Ms L complains that NewDay Ltd lent irresponsibly when it approved two credit cards and increased the credit limit. What happened In July 2017 Ms L applied for a Marbles branded credit card with NewDay. In the application, Ms L said she was employed and earned £1... (3 pages)View decision -
Decision Reference DRN-3293577
28 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3293577 The complaint Mr M complains that NewDay Ltd lent irresponsibly when it approved two branded credit cards and went on to increase the credit limits. What happened Mr M opened an Aqua credit card with NewDay in April 2018. In June 2019 Mr M successfully applied for a Debenhams c... (3 pages)View decision -
Decision Reference DRN-3452817
28 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3452817 The complaint Mr D complains NewDay Ltd lent him money on two credit cards irresponsibly when he was in financial hardship. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements below, and the... (3 pages)View decision -
Decision Reference DRN-3274071
27 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3274071 The complaint Mr M complains about New Day Ltd closing his credit card account. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on giving my reasons for my decision. What I’ve decided – and why I’... (2 pages)View decision -
Decision Reference DRN-3449484
26 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3449484 The complaint Mr T complains that NewDay Ltd have irresponsibly lent to him. What happened Mr T 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 April 2015... (5 pages)View decision