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-3425453
9 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3425453 The complaint Mr S complains that NewDay Ltd (“NewDay”) has refused to refund transactions he believed he was making to a legitimate binary options company called Golden Markets, which he says turned out to be fraudulent. He made these transactions using his NewDay (Debenhams)... (6 pages)View decision -
Decision Reference DRN-3418469
6 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3418469 The complaint Mr O complained that NewDay Ltd, trading as Aqua, (“NewDay”) unfairly turned down his claim brought under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened Mr O signed up with a travel company with the aim of being able to take holidays. He made th... (4 pages)View decision -
Decision Reference DRN-3238098
5 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3238098 The complaint Mr B complains that NewDay Ltd trading as Fluid Credit Card irresponsibly allowed him to open a credit card account which was unaffordable and later increased the credit limit. What happened Mr B says Fluid should not have allowed him to open a credit card account... (2 pages)View decision -
Decision Reference DRN-3364121
31 Mar 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3364121 The complaint Mr S complains that NewDay Ltd won’t refund money he lost as part of a scam. What happened The details of this complaint are well known to both parties, so I won’t repeat everything in detail again here. In summary, in February 2019, Mr S decided to get involved i... (2 pages)View decision -
Decision Reference DRN-3207430
31 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3207430 The complaint Mr B is unhappy that NewDay Ltd provided new and further credit to him at time when the provision of such credit wasn’t affordable for him. What happened In March 2015, Mr B applied for a credit account with NewDay. His application was approved, and Mr B was issue... (4 pages)View decision -
Decision Reference DRN-3335840
31 Mar 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3335840 The complaint Mr M complains that his credit card provider, NewDay Ltd, hasn’t done enough to help him to recover money he paid to a third party as a result of a scam. What happened Mr M is registered as a clinically vulnerable person. He had an online profile with an acting an... (2 pages)View decision -
Decision Reference DRN-3224045
31 Mar 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3224045 The complaint Mr R is unhappy with NewDay Ltd’s administration of his credit card accounts. What happened Mr R holds two credit card accounts with NewDay – one Aqua card and a marbles card. Each card has a different rate of interest. Both of Mr R’s credit card accounts are curr... (4 pages)View decision -
Decision Reference DRN-3337945
30 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3337945 The complaint Mr A complains that NewDay Ltd (trading as Opus) won’t reimburse money he lost when he says he fell victim to a binary options investment scam. What happened Mr A came across a binary options company called Golden Markets online. He contacted them and was promised... (4 pages)View decision -
Decision Reference DRN-3194637
30 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3194637 The complaint Ms H complains that NewDay Ltd (trading as Aqua) lent irresponsibly when it increased her credit card limit. What happened Ms H opened a credit card account with Aqua in early 2018. But within a few months the credit limit had more than doubled. And by the end of ... (3 pages)View decision -
Decision Reference DRN-3297572
30 Mar 2022 NewDay Ltd UpheldConsumer CreditDRN-3297572 The complaint Mrs A says NewDay Ltd lent to her irresponsibly. What happened Mrs A took out a 60-month instalment loan for £5,000 from NewDay on 10 December 2018. The monthly repayments were £132.41 and the total repayable was £7,994.74. I understand there is an outstanding bal... (3 pages)View decision