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 2651 results
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Decision Reference DRN-5823814
5 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5823814 The complaint Miss S complains NewDay Ltd trading as John Lewis Partnership (NewDay) shouldn’t have approved a credit card account for her. What happened Miss S says NewDay approved a credit card account for her in November 2022 with a limit of £700 at a time when she was ha... (3 pages)View decision -
Decision Reference DRN-5766871
4 Nov 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5766871 The complaint Miss B complains that NewDay Ltd lent to her irresponsibly and increased the interest rate on her account unfairly. What happened On 16 September 2021, Miss B applied for and received a credit card with NewDay. She was given an initial credit limit of £1,200 wh... (6 pages)View decision -
Decision Reference DRN-5441293
3 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5441293 The complaint Mr W complains that NewDay Ltd (“NewDay”) lent to him irresponsibly when it provided him with a credit card account and subsequent credit limit increases. For ease of reference, I will refer to Mr W when referring to both him and his representative. What happ... (3 pages)View decision -
Decision Reference DRN-5682865
3 Nov 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5682865 The complaint Miss D complains NewDay Ltd trading as Aqua (“NewDay”) irresponsibly lent to her. What happened In May 2018 Miss D applied for a credit card with NewDay. The application was accepted and she was provided with an initial limit of £900. The credit limit fluctuat... (3 pages)View decision -
Decision Reference DRN-5806635
31 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5806635 The complaint Mr W complains that NewDay Ltd, trading as Aqua, didn’t refund a payment he made using his credit card. What happened Mr W arranged for a merchant – which I’ll refer to as “D” – to undertake repairs to his van; in short, the diesel particulate filter (“DPF”) w... (4 pages)View decision -
Decision Reference DRN-5859341
30 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5859341 The complaint Mr D complains NewDay Ltd trading as John Lewis Partnership Credit Card (‘NewDay’) lost a payment he made to his credit card for several days, after he’d used their app. Mr D seeks further compensation to put things right. What happened Mr D was very unhappy th... (3 pages)View decision -
Decision Reference DRN-5647203
30 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5647203 The complaint Mr S complains that NewDay Ltd trading as Argos Classic Credit Card (Argos) irresponsibly lent to him. What happened Mr S was approved for an Argos credit card in April 2020, with a £450 credit limit. The credit limit was increased in August 2020 (to £1,000), i... (4 pages)View decision -
Decision Reference DRN-5707977
28 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5707977 The complaint Ms D complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and later increased the limit. What happened Ms D applied for a Fluid credit card in November 2018. In her application, Ms D said she was employed w... (3 pages)View decision -
Decision Reference DRN-5751682
24 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5751682 The complaint Mrs S complained because NewDay Ltd, trading as John Lewis Partnership Card, refused to refund her for a transaction which she said she hadn’t authorised. What happened On 4 December 2024, Mrs S saw a pending transaction for £829.84 on her credit card which sh... (3 pages)View decision -
Decision Reference DRN-5659501
24 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5659501 The complaint Mrs R complains that NewDay Ltd irresponsibly lent to her. What happened Mrs R was approved for a NewDay branded credit card in September 2022 (which I will refer to as A in this decision), with a £300 credit limit. I have detailed the credit limit increases fo... (4 pages)View decision