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-5127298
7 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5127298 The complaint Ms R is complaining about NewDay Ltd trading as Aquacard because she says it lent irresponsibly by providing her with a credit card and then going on to increase the credit limit. What happened In June 2021, Ms R opened a credit card account with NewDay with an... (4 pages)View decision -
Decision Reference DRN-5129409
6 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5129409 The complaint Miss H complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Over a period, Miss H had two credit cards issued by NewDay and the limits were increased as shown: Aqua card: Limit increase No. Date Limit December 2017 – new card £900 1 May ... (5 pages)View decision -
Decision Reference DRN-5058569
6 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5058569 Complaint Mr D has complained about a credit card NewDay Ltd (trading as “Aqua”) provided to him. He says the credit card as well as the limit increase should not have been provided to him as they were unaffordable. Background Aqua provided Mr D with a credit card with an ... (3 pages)View decision -
Decision Reference DRN-5127011
5 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5127011 The complaint Miss B complains that NewDay Ltd was irresponsible to open three credit accounts for her and to later increase the credit limits. Miss B has brought her complaint via a representative but I will refer to her throughout for simplicity. What happened NewDay Ltd... (6 pages)View decision -
Decision Reference DRN-5126175
5 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5126175 The complaint Mrs G complains that NewDay Ltd trading as Fluid (“NewDay”) was irresponsible to open a credit account for her and to later increase the credit limit. Mrs G has brought her complaint via a representative but I will refer to her throughout for simplicity. What... (5 pages)View decision -
Decision Reference DRN-4690983
5 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4690983 The complaint Mrs B complaint NewDay Ltd (“NewDay”), refuses to refund her for an ATM transaction on her Debenhams card which was not completed successfully. What happened Mrs B complained to us that she tried to withdraw £300 cash from an ATM using her Debenhams card in Aug... (2 pages)View decision -
Decision Reference DRN-5125210
5 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5125210 The complaint Mr B complains that NewDay Ltd trading as John Lewis Partnership Card (‘NewDay’) unfairly recorded query markers (‘markers’) on his credit file when he raised a complaint. What happened The background to this complaint was set out in my provisional decision da... (4 pages)View decision -
Decision Reference DRN-5118200
5 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5118200 The complaint Mrs M complains that NewDay Ltd (NDay) lent to her irresponsibly. What happened In October 2019, Mrs M applied for a credit card from NDay. It was agreed with a limit of £300. After that, NDay increased her limit as shown: Date Limit October 2019 – new account ... (4 pages)View decision -
Decision Reference DRN-5032812
4 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5032812 The complaint Miss E has complained NewDay Ltd, trading as Aqua, lodged a fraud-related marker on the industry fraud database, CIFAS, in her name. What happened In 2022 Miss E was told by Aqua that they were closing her account. They also lodged a fraud-related marker on her... (3 pages)View decision -
Decision Reference DRN-5094167
4 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5094167 Complaint Miss T has complained about a credit card NewDay Ltd (trading as “Dorothy Perkins”) provided to her. She says credit card was irresponsibly provided to her. Background Dorothy Perkins provided Miss T with a credit card with a limit of £500 in October 2019. Miss T’... (3 pages)View decision
