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-3013115
28 Feb 2022 NewDay Ltd Not upheldConsumer CreditDRN-3013115 Complaint Mr D has complained about a loan NewDay Ltd (trading as “Marbles”) provided to him. He says the loan was given to him when he wasn’t in a position to afford it and at the same time his credit card limit was being increased. Background Mr D also initially complained ab... (2 pages)View decision -
Decision Reference DRN-3178363
23 Feb 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3178363 The complaint Mr T complained because NewDay Ltd, trading as Aqua, charged him late payment fees on his credit card. What happened Mr T opened a NewDay account in January 2015. At that point, statements were produced around 24 th of each month, with the payments being due on 11... (3 pages)View decision -
Decision Reference DRN-3316663
22 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3316663 The complaint Ms P complains that NewDay Ltd trading as Aquacard (Aqua) failed to collect two payments in line with the direct debit guarantee. Ms P also complains that Aqua changed her address which meant statements weren’t received. What happened The background to this compla... (4 pages)View decision -
Decision Reference DRN-3305718
22 Feb 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3305718 The complaint Mr D complains that NewDay Ltd unfairly recorded adverse information on his credit file. What happened Mr D says he agreed a repayment plan with NewDay in 2014 and it recorded late payment markers on his credit file. He says those markers were recorded until 2018 ... (3 pages)View decision -
Decision Reference DRN-3273241
17 Feb 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3273241 The complaint Mrs A complains that NewDay Cards Ltd (“NewDay”) increased the APR on her card without giving her notice. She says she’s in financial difficulties but that NewDay won’t discuss it with her and that she’s received poor customer service. What happened Mrs A opened a... (2 pages)View decision -
Decision Reference DRN-3286341
15 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3286341 The complaint This is a complaint about NewDay Ltd’s decision to decline a claim Mrs B made under section 75 of the Consumer Credit Act 1974 (“CCA”). Mrs B is represented by a claims management company (“CMC”). What happened The background to this dispute is well known to all p... (5 pages)View decision -
Decision Reference DRN-3046167
15 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3046167 The complaint Miss T complains that NewDay Ltd, trading as Argos Classic Credit Card (“NewDay”), failed to carry out appropriate affordability checks before approving credit, and subsequent credit limit increases. What happened Between 2011 and 2019 Miss T applied for and was a... (5 pages)View decision -
Decision Reference DRN-3304507
11 Feb 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3304507 The complaint Mrs S is unhappy NewDay Ltd have cancelled her credit card account with them and left adverse information on her credit file. What happened The details of this complaint are well known to both parties, and were set out in my provisional decision, so I am not going... (2 pages)View decision -
Decision Reference DRN-3255506
11 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3255506 The complaint Mr J complains that NewDay Ltd acted irresponsibly when it provided him with a credit card account in 2015 and then increased the credit limit on that card on a number of occasions. What happened Mr J had a credit card account with NewDay. He says he applied for t... (8 pages)View decision -
Decision Reference DRN-3209159
10 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3209159 The complaint Miss L complains that NewDay Ltd lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss L applied for a credit card with NewDay in September 2013. Miss L told NewDay she was earned £14,000 a year a... (3 pages)View decision