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-3306403
9 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3306403 The complaint Mrs N complains that NewDay Ltd did not refund a transaction she made to a trading website which she says turned out to be a scam. What happened The circumstances of this complaint are well known to both parties, so I will not repeat them all again here in detail.... (5 pages)View decision -
Decision Reference DRN-3282765
3 Feb 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3282765 The complaint Mrs K complains that NewDay Ltd was irresponsible in its lending to her. What happened Mrs K was provided with a credit card by NewDay in 2017. The credit limit was £600. She says that the lending shouldn’t have been provided as at the time she was in a debt manag... (2 pages)View decision -
Decision Reference DRN-3291649
2 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3291649 The complaint Mrs S is unhappy that NewDay Ltd provided her with a credit account which she feels was unaffordable for her at that time. Mrs S is also unhappy that NewDay increased the credit limit on her account on several occasions, all of which she feels were unaffordable fo... (4 pages)View decision -
Decision Reference DRN-3280168
2 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3280168 The complaint Miss S is unhappy that NewDay Ltd approved her for a credit account which she feels was unaffordable for her at that time. Miss S is also unhappy with the service she received from NewDay surrounding her exceeding the credit limit on her account by a small amount.... (5 pages)View decision -
Decision Reference DRN-3285954
31 Jan 2022 NewDay Ltd Not upheldConsumer CreditDRN-3285954 The complaint Ms A complained because NewDay Ltd refused to refund her for transactions which she said she didn’t authorise. What happened On 8 April 2020, Ms A rang NewDay. She said she hadn’t used her card for five months, since she’d transferred a balance from her NewDay car... (4 pages)View decision -
Decision Reference DRN-3128646
28 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3128646 The complaint Miss D is complaining NewDay Ltd didn’t refund an amount she paid on her credit card for a holiday after the travel provider went into liquidation. What happened In July 2019 Miss D bought a holiday through a travel provider – who I shall refer to as T. The holida... (3 pages)View decision -
Decision Reference DRN-3209520
28 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3209520 The complaint Ms J complains that NewDay Ltd trading as Fluid Mastercard (“NewDay”) was irresponsible in raising the credit limit on her account. What happened In April 2019, Ms J opened a credit card account with NewDay. The credit limit was £900. In August 2019, NewDay increa... (3 pages)View decision -
Decision Reference DRN-3193439
26 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3193439 The complaint Mr V complains that NewDay Ltd (NewDay) didn’t carry out appropriate checks when agreeing to lend to him. And that if it had, NewDay would’ve seen that the lending wasn’t affordable for him. Mr V is also unhappy with the way NewDay responded to his personal circum... (5 pages)View decision -
Decision Reference DRN-3169391
24 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3169391 The complaint Miss L complains that NewDay Ltd irresponsibly increased the credit limit on her account to unaffordable levels. She also complains that NewDay suspended the use of her account when she brought her complaint. What happened Miss L says the NewDay account was opened... (3 pages)View decision -
Decision Reference DRN-3235701
23 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3235701 The complaint Ms M complains that NewDay Ltd trading as Aqua irresponsibly allowed her to open a credit card account and later increased her credit limit. She says the lending was unaffordable. What happened Ms M says she opened the Aqua account in May 2016 and at the time was ... (3 pages)View decision