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 2089 results
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Decision Reference DRN-4909585
6 Aug 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4909585 The complaint Miss S complains that NewDay Ltd was irresponsible in its lending to her. Miss S is represented by a third party but for ease of reference I have referred to Miss S throughout this decision. What happened Miss S was provided with a credit card account by NewDay... (4 pages)View decision -
Decision Reference DRN-4915756
2 Aug 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4915756 The complaint Mrs S complains that NewDay Ltd failed to treat her fairly when it blocked a transaction she attempted to make on her credit card to allow a fraud check to be completed. What happened Mrs S holds a credit card provided by NewDay. In October 2023 she contacted N... (3 pages)View decision -
Decision Reference DRN-4860977
1 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4860977 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest and charges applied to his accounts refunded along with compensatory interest and any adverse information removed from his credit file. Mr S is represe... (4 pages)View decision -
Decision Reference DRN-4682516
31 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4682516 The complaint Mr L complains about the way NewDay Ltd, trading as Aqua, managed his credit card account. What happened Mr L held a credit card with NewDay until 2022, when the agreement was terminated. Prior to termination, Mr L had missed several repayments and been sent ... (3 pages)View decision -
Decision Reference DRN-4868411
30 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4868411 The complaint Mrs E complains that she was unable to make a 0% balance transfer from another lender to clear a credit card she held with NewDay Ltd trading as Fluid. What happened Mrs E holds a Fluid credit card with NewDay. She was unhappy that the interest rate applicable ... (3 pages)View decision -
Decision Reference DRN-4760704
30 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4760704 The complaint Mrs B is unhappy that she had multiple declined transactions when using a credit card she holds with NewDay. What happened Mrs B has a credit card with NewDay which she says she uses on a fairly ad hoc basis. In November 2023 Mrs B attempted to use the credit c... (3 pages)View decision -
Decision Reference DRN-4697556
30 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4697556 The complaint Mr F complains NewDay Ltd trading as Fluid treated him unfairly in respect of a credit card account after he suffered financial difficulties due to health conditions. What happened Mr F holds a credit card account with NewDay. Unfortunately, due to physical and... (5 pages)View decision -
Decision Reference DRN-4928972
25 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4928972 The complaint Miss L complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional d... (4 pages)View decision -
Decision Reference DRN-4886209
24 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4886209 The complaint Mrs F complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and went on to increase her credit limit on various occasions. What happened In November 2017 Mrs F applied for a credit card with Marbles. Mrs F... (3 pages)View decision -
Decision Reference DRN-4922655
24 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4922655 The complaint Mr H complains that NewDay Ltd irresponsibly lent to him. What happened Mr H was approved for two NewDay credit cards which I will refer to as A and B. I have detailed the initial credit limits and the credit increases for A below. Card A – approved October 20... (5 pages)View decision
