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-3037486
8 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3037486 The complaint Ms H complains about lending made to her by NewDay Ltd trading as Fluid Mastercard. What happened Ms H said that NewDay had lent her money she couldn’t afford to pay back. She said that she was struggling to make payments on time, and she had missed payments due t... (3 pages)View decision -
Decision Reference DRN-2725519
8 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2725519 The complaint Mrs S complains that NewDay Ltd repeatedly increased her credit limit on two credit cards. She says none of that lending was affordable and caused her financial difficulties. What happened Mrs S had two credit cards with NewDay, one opened in 2013 and the other in... (5 pages)View decision -
Decision Reference DRN-2968936
8 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2968936 The complaint T and Mr R complain that NewDay Ltd have irresponsibly lent to Mr R. What happened Mr R was accepted for his first NewDay credit card with a credit limit of £250. In January 2016 his credit limit was increased to £500, which then increased to £1,300 in July 2016. ... (5 pages)View decision -
Decision Reference DRN-2972067
7 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2972067 The complaint Ms M complains that NewDay Ltd (NewDay) hasn’t refunded money under a chargeback request she made. What happened Ms M purchased an item from an online merchant in February 2021 for a total cost of £92.99 using her NewDay backed credit card. Ms M says she never rec... (2 pages)View decision -
Decision Reference DRN-3028657
6 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3028657 The complaint Ms M complains that NewDay Ltd (Newday) lent to her irresponsibly and shouldn’t have suspended her Aqua card in November 2020. What happened Ms M applied for an Aqua card in January 2014 and was given a limit of £250. Then, increases were agreed on the Aqua card, ... (4 pages)View decision -
Decision Reference DRN-2961166
4 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2961166 The complaint Mr H complained that NewDay Ltd trading as Marbles lent him money that he couldn’t afford to repay. He wanted NewDay to refund all his payments, with 8% interest, and clear his credit file. What happened Mr H complained to NewDay that the lending it made to him wa... (2 pages)View decision -
Decision Reference DRN-3024806
2 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3024806 The complaint Miss H complains that NewDay Ltd increased her credit limit from £500 to £1,250. She said this level of debt wasn’t affordable for her, she couldn’t pay back the lending, and she ended up in financial difficulties. What happened Miss H told us that NewDay contacte... (3 pages)View decision -
Decision Reference DRN-2974908
1 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2974908 The complaint Miss H complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Miss H applied for an Aqua credit card from NewDay in April 2016. This was agreed with a limit of £250. The debt was passed to a debt collection agency in February 2019 and repaid i... (2 pages)View decision -
Decision Reference DRN-2953385
1 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2953385 The complaint Mr P complains that lending made to him by NewDay Ltd wasn’t affordable. He says that NewDay didn’t do sufficient checks to make sure it wasn’t lending irresponsibly. What happened Mr P said that NewDay didn’t do enough checks when it lent to him. He said it shoul... (3 pages)View decision -
Decision Reference DRN-3020596
1 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3020596 The complaint Mr V complains that NewDay Ltd lent irresponsibly when it increased the credit limit of his credit cards. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In my provisional decision I explained why ... (5 pages)View decision