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-3190357
13 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3190357 The complaint Mrs M complains NewDay Ltd (NewDay) failed to honour a claim she brought under section 75 of the Consumer Credit Act 1974 (“CCA”). The complaint was brought to us by Mr and Mrs M however the payment in dispute was made from Mrs M’s credit card so I will mainly be ... (4 pages)View decision -
Decision Reference DRN-3115895
11 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3115895 The complaint Mr E complains that NewDay Ltd trading as Opus (“NewDay”) unfairly charged interest on his account once his payment holiday ended. Mr E wants to continue with his agreed monthly repayment. What happened Mr E held a credit card with NewDay. In March 2019, NewDay pl... (3 pages)View decision -
Decision Reference DRN-3183340
10 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3183340 The complaint Mr T complains that NewDay Ltd trading as Amazon Card declined his claim under section 75. What happened In March 2020 Mr T purchased a sofa from a retailer using his NewDay credit card. Then amount paid was around £300. The sofa was delivered in August 2020. In M... (2 pages)View decision -
Decision Reference DRN-3146233
8 Jan 2022 NewDay Ltd Not upheldConsumer CreditDRN-3146233 The complaint Mr P is unhappy that NewDay Ltd won’t remove two defaults which were applied to his account. What happened Mr P held two credit card accounts with NewDay. In 2016 Mr P was unable to make payments because of his medical condition. Mr P says he thought he’d reached ... (2 pages)View decision -
Decision Reference DRN-3211461
6 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3211461 The complaint Ms A complains that NewDay Ltd won’t refund payments she didn’t make from her credit card account. What happened Ms A says that she ordered an item online in June 2020. This was for a sterling equivalent amount of £93.28 with a £2.75 fee on her credit card. She wa... (3 pages)View decision -
Decision Reference DRN-3197956
4 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3197956 The complaint Mr L complains that NewDay Ltd was irresponsible in its lending to him. He wants the interest and charges on his credit cards refunded and the accounts removed from his credit file. What happened NewDay provided Mr L with two credit cards. He says that at the time... (4 pages)View decision -
Decision Reference DRN-3234743
4 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3234743 The complaint Mr D complains that NewDay Ltd was irresponsible when it opened a credit card account for him in June 2015, and then increased the credit limit from £600 to £1,500 in September 2015. Mr D said his financial situation was already extremely poor before this. What h... (3 pages)View decision -
Decision Reference DRN-3134842
4 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3134842 The complaint Miss C is unhappy that NewDay Ltd wouldn’t give her a payment holiday on her account or provide her with the means to enable a cash payment to be made. What happened Miss C contacted NewDay in August 2019 because she was struggling to meet the contractual payments... (3 pages)View decision -
Decision Reference DRN-3179595
31 Dec 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3179595 The complaint Mrs D complains NewDay Ltd failed to honour a claim she brought under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened The background to the matter is well known to all parties so I will summarise only briefly: Mrs D had a membership with a holid... (5 pages)View decision -
Decision Reference DRN-3102246
23 Dec 2021 NewDay Ltd UpheldConsumer CreditDRN-3102246 The complaint Mr H complains that NewDay Ltd (NewDay) closed his credit card account and charged him interest during payment holidays. What happened Mr H had a marbles loan and credit card from NewDay. The loan was for £2,400 payable over 24 months and was repaid. The credit ca... (3 pages)View decision