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-3130260
5 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3130260 The complaint Miss A complains that NewDay Ltd should have defaulted her account between 2009/10 but didn’t do so. She would like a default applied from October 2009 and compensation. What happened The details of this complaint are well known to both parties, so I won’t repeat ... (2 pages)View decision -
Decision Reference DRN-3079881
4 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3079881 The complaint Mrs N complains that NewDay Ltd irresponsibly increased the credit limit on her credit card account to unaffordable levels. What happened Mrs N says she accepts that NewDay was entitled to allow her to open her credit card account in 2017. She says she was working... (3 pages)View decision -
Decision Reference DRN-3076038
4 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3076038 The complaint Ms M complains that NewDay Ltd reversed a chargeback credit without telling her that was a possibility. What happened Ms M says she asked NewDay on 10 August 2020 to raise a claim for hotel accommodation she was unable to use as her flights had been cancelled. She... (3 pages)View decision -
Decision Reference DRN-3089861
4 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3089861 The complaint Miss M complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss M was provided with two credit cards (Aqua and Opus) by NewDay and a loan for £2,500. She says that the amount of credit provided to her in a short space of time was irres... (3 pages)View decision -
Decision Reference DRN-3114242
4 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3114242 The complaint Ms S complains that NewDay Ltd trading as Aqua irresponsibly increased the credit limit on her credit card account to unaffordable levels. What happened Ms S says Aqua repeatedly increased the credit limit on her credit account to unaffordable levels. She says she... (2 pages)View decision -
Decision Reference DRN-2964750
4 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2964750 The complaint Ms E complains about NewDay Ltd trading as Amazon MasterCard and their decision to approve several credit card applications. She also complains about the credit limit increases applied on these accounts. What happened Ms E was provided with five different credit a... (5 pages)View decision -
Decision Reference DRN-3133587
2 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3133587 The complaint Ms L complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: M... (3 pages)View decision -
Decision Reference DRN-3136271
1 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3136271 The complaint Ms J complains that NewDay Ltd trading as Aqua 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. In my provisional decision I said: Ms... (3 pages)View decision -
Decision Reference DRN-3136979
1 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3136979 The complaint Mr C is unhappy that NewDay Ltd approved him for a credit account which he feels wasn’t affordable for him at that time. What happened In August 2015, Mr C applied for a NewDay administered credit account. His application was approved, and Mr C was issued with a c... (3 pages)View decision -
Decision Reference DRN-3064617
1 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3064617 The complaint Miss B complains that the interest being added to her account with NewDay Ltd trading as Aqua is incorrect. What happened Miss B says that she makes a payment towards her account which is over the minimum amount required each month but each month her interest paym... (2 pages)View decision