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-2547495
22 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2547495 The complaint Mrs U is complaining that she was not awarded the right amount of recognition points by NewDay Ltd (“NewDay”) for her spending on her House of Fraser store card. What happened Mrs U has had issues with how NewDay have calculated the recognition reward points on he... (3 pages)View decision -
Decision Reference DRN-2718250
22 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2718250 The complaint Mr A complains that NewDay Ltd trading as Fluid didn’t inform him of his credit limit before they opened his account. What happened Mr A applied for a credit card with Fluid and the decision to accept his application or not was referred. He later received communic... (2 pages)View decision -
Decision Reference DRN-2748091
20 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2748091 The complaint Mr V complains that NewDay Ltd trading as Aqua irresponsibly lent to him and the lending was unaffordable. What happened Mr V says he took out an Aqua credit card account but Aqua didn’t check his finances which would have shown his financial difficulties. He says... (2 pages)View decision -
Decision Reference DRN-2709672
20 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2709672 The complaint Mr K complains that NewDay Ltd trading as Amazon Classic Card (Amazon) lent to him irresponsibly. What happened In April 2019, Amazon agreed to give Mr K a credit card with a limit of £500. The account went into arrears and was sold to a debt collection agency in ... (3 pages)View decision -
Decision Reference DRN-2762234
20 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2762234 The complaint Miss F is unhappy that NewDay Ltd, trading as Aqua loans, approved her for a credit account which wasn’t affordable for her at that time, and also that they didn’t recognise that she was experiencing financial difficulties during the time that she was using the cr... (4 pages)View decision -
Decision Reference DRN-2705193
19 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2705193 The complaint Mr J complains that NewDay Ltd trading as Marbles (Marbles) lent to him irresponsibly. What happened Mr J applied for a Marbles credit card and this was issued in May 2016 with a limit of £300. In September 2016, the limit was increased to £950. In February 2018 t... (3 pages)View decision -
Decision Reference DRN-2722364
14 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2722364 The complaint Mr C complains that he was given incorrect information about his credit card account interest rate by Newday Ltd. What happened Mr C says he called NewDay in October 2019 and asked about the interest rate on his credit card account. He says he was given incorrect ... (2 pages)View decision -
Decision Reference DRN-2685798
13 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2685798 The complaint Mr H complains that NewDay Ltd, trading as Aqua, lent to him irresponsibly by providing, and increasing the credit limit on, a credit card. What happened Mr H applied for a credit card with NewDay in December 2013. NewDay agreed to provide this. The initial credi... (4 pages)View decision -
Decision Reference DRN-2710366
13 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2710366 The complaint Mr W has complained that NewDay Ltd (trading as Marbles Card) acted irresponsibly when they increased his Marbles Card limit twice to an unaffordable level. What happened Mr W completed an on-line application for a Marbles Credit Card in August 2017. Marbles appro... (3 pages)View decision -
Decision Reference DRN-2713911
13 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2713911 The complaint Mr S is unhappy that NewDay Ltd didn’t provide him with information about an outstanding balance on his account and that they passed this debt to third party agencies and reported adverse information to his credit file and didn’t provide him with appropriate suppo... (3 pages)View decision