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-3365414
11 Mar 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3365414 The complaint Mr M is unhappy that NewDay Ltd, trading as Fluid, approved him for a credit account which he feels was unaffordable for him at that time. Mr M is also unhappy that NewDay later increased the credit limit on the account, which he also feels was unaffordable for hi... (4 pages)View decision -
Decision Reference DRN-3364164
10 Mar 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3364164 The complaint Mrs C complains that NewDay Ltd (“NewDay”), has rejected the claim she made under section 75 of the Consumer Credit Act 1974 (“the Act”) in relation to a solar panel system she says were misrepresented to her by the supplier. Mrs C is represented by a claims manag... (3 pages)View decision -
Decision Reference DRN-3344535
10 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3344535 The complaint Mr M complains that NewDay Ltd (“NewDay”) has refused to refund payments he believed he was making to Tradex1 using his NewDay (Amazon) Mastercard credit card. Mr M says that Tradex1 were operating a scam and stole his money. What happened The circumstances of th... (5 pages)View decision -
Decision Reference DRN-3349909
3 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3349909 The complaint Mr N complains that NewDay Ltd has refused to refund transactions (made using his NewDay credit card) to a fraudulent binary options company. What happened Mr N received a call from a representative of XMarkets.com (XMarkets) who sold him an investment opportunity... (7 pages)View decision -
Decision Reference DRN-3349878
3 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3349878 The complaint Mr H complains that NewDay Ltd refused to refund a transaction made to a scam binary options trading platform. What happened Mr H came across a binary options merchant called SolidCFD (‘S’) on Facebook. He left his contact details and a broker from S called him pr... (7 pages)View decision -
Decision Reference DRN-3348043
3 Mar 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3348043 The complaint Mr V is unhappy with how NewDay Ltd dealt with him, when he contacted it to explain he was in financial difficulties. What happened Mr V has explained that he’s been experiencing financial difficulties. This meant he wasn’t able to maintain the contractual payment... (5 pages)View decision -
Decision Reference DRN-3275568
2 Mar 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3275568 The complaint Mr P complains that NewDay Ltd suspended his credit card account and transferred it to a debt collection company, despite having a payment holiday agreed with them. What happened Mr P holds a retail branded credit card account provided by NewDay. Towards the end o... (3 pages)View decision -
Decision Reference DRN-3268162
2 Mar 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3268162 The complaint Miss G complains that NewDay Ltd (NewDay) wrongly advised her that a 0% balance transfer would apply to a proposed purchase. She would like either the 0% honoured for three months or interest on her account refunded until the balance is cleared. What happened The ... (1 page)View decision -
Decision Reference DRN-3341072
1 Mar 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3341072 The complaint Mrs M complains that NewDay Ltd trading as Amazon Classic lent irresponsibly when it approved her credit card application. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mrs M applied for ... (3 pages)View decision -
Decision Reference DRN-3304032
28 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3304032 The complaint Mr A complains about the way NewDay Ltd trading as Fluid handled his claim under section 75 of the Consumer Credit Act 1974. What happened In February 2021 Mr A purchased a car and paid £500 of the £8000 purchase price using his Fluid credit card. The sale include... (3 pages)View decision