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 2077 results
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Decision Reference DRN-5124716
21 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5124716 The complaint Mr M complains that NewDay Ltd trading as Debenhams lent irresponsibly when it approved his credit card application and later increased his credit limit. Mr M also complains about the interest rates applied to his credit card by NewDay. What happened Mr M appl... (4 pages)View decision -
Decision Reference DRN-5161333
21 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5161333 The complaint Mrs N complains that NewDay Ltd irresponsibly lent to her. Mrs N is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mrs N herself. What hap... (8 pages)View decision -
Decision Reference DRN-5161106
20 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5161106 The complaint Ms M has complained that NewDay Ltd, trading as Aqua (“NewDay”), irresponsibly granted her a credit card account, and subsequently increased the credit limit, which she couldn’t afford to repay. What happened Ms M took out a credit card with NewDay on 13 April... (4 pages)View decision -
Decision Reference DRN-5119069
20 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5119069 The complaint Mr A complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened In December 2017 Mr A applied for a credit card with NewDay. NewDay approved the application and gave Mr A a credit card with an initial credit limit of £900. The credit lim... (3 pages)View decision -
Decision Reference DRN-5085277
20 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5085277 The complaint Mrs D complains that NewDay Ltd trading as Aqua lent to her irresponsibly. What happened Mrs D applied for a credit card with NewDay. NewDay approved the application and gave Mrs D a credit card with an initial credit limit of £1,200. The credit limit was incre... (4 pages)View decision -
Decision Reference DRN-4911618
20 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4911618 The complaint Mr W complains that NewDay Ltd didn’t do enough to assist him in recovering money he paid on his credit card for a seafood meal. The transaction in dispute was paid for by Mr W’s wife, as a secondary card holder. Mr W is also being assisted in bringing this co... (4 pages)View decision -
Decision Reference DRN-5114677
20 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5114677 The complaint Miss L complains that NewDay Ltd trading as Aqua lent to her irresponsibly. What happened Miss L applied for a credit card with Aqua in May 2021. Aqua approved the application and gave Miss L a credit card with an initial limit of £300. The credit limit was inc... (3 pages)View decision -
Decision Reference DRN-5158204
19 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5158204 The complaint Mrs B complains NewDay Ltd trading as Debenhams Gold Mastercard (“NewDay”) failed to recover funds for goods paid for in part using her NewDay credit card. What happened In February 2023 Mrs B used her credit card to part pay for a building extension on her hom... (4 pages)View decision -
Decision Reference DRN-5155337
19 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5155337 The complaint Ms L complains that NewDay Ltd (NDay) lent to her irresponsibly. What happened In March 2016, NDay agreed to give a credit card to Ms L, and then offered and applied increases in the limit as shown: Limit increase number Date Limit March 2016 (new account) £30... (4 pages)View decision -
Decision Reference DRN-5114030
18 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5114030 Complaint Mrs H has complained about a credit card and subsequent limit increases which NewDay Ltd (trading as “Aqua”) provided to her. She says the account was unaffordable. Background Aqua provided Mrs H with a credit card which had a credit limit of £250 in December 2012... (3 pages)View decision
