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 2660 results
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Decision Reference DRN-5807894
15 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5807894 The complaint Mr B complains that NewDay Ltd (“NewDay”) wrongfully changed the interest rate on a credit card he held with them. What happened Mr B held a credit card account with NewDay since October 2022. In June 2023, NewDay wrote to Mr B and said: “Due to the changing... (3 pages)View decision -
Decision Reference DRN-5812755
13 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5812755 The complaint Ms S complains that NewDay Ltd have irresponsibly lent to her. Ms S 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 Ms S herself. What h... (5 pages)View decision -
Decision Reference DRN-5771225
10 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5771225 The complaint Mrs M complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Mrs M 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 M h... (5 pages)View decision -
Decision Reference DRN-5659523
10 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5659523 The complaint Ms M complains that NewDay Ltd trading as Marbles irresponsibly lent to her. What happened Ms M was approved for a Marbles credit card in July 2021 with a £250 credit limit. The credit limit was increased to £1,250 in April 2022, and it was increased for a fina... (4 pages)View decision -
Decision Reference DRN-5479726
9 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5479726 The complaint Miss C complains that NewDay Ltd trading as Aqua provided her with an unaffordable credit card. Miss C’s complaint has been brought by a professional representative, but for ease I’ll refer to all submissions as though they are her own. What happened NewDay pr... (3 pages)View decision -
Decision Reference DRN-5577558
9 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5577558 The complaint Mrs M complains that NewDay Ltd have irresponsibly lent to her. What happened Mrs M was approved for a NewDay branded credit card in November 2020 (which I will refer to as A in this decision). A was approved with a £600 credit limit. I have detailed the credit... (6 pages)View decision -
Decision Reference DRN-5802052
8 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5802052 The complaint Mr C complains that NewDay Ltd (“NewDay”) lent to him irresponsibly when it provided him with a credit card account and subsequent credit limit increases. What happened Mr C applied for a credit card with NewDay on 6 May 2022. NewDay approved a BIP credit card... (4 pages)View decision -
Decision Reference DRN-5779253
8 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5779253 The complaint Mr S complains about the way NewDay Ltd (‘NewDay’) handled his claim for a refund. What happened In October 2024 Mr S bought a branded coat (the ‘coat’) via a seller operating on an auction e- commerce platform (I’ll refer to the e-commerce platform as ‘E’). He... (3 pages)View decision -
Decision Reference DRN-5862363
6 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5862363 The complaint Mr M complains that NewDay Ltd (trading as Pulse) did not allow him to pay off his credit card with a balance transfer. What happened Mr M says NewDay has closed his account and so he is unable to carry out a balance transfer to another card with 0% interest. ... (2 pages)View decision -
Decision Reference DRN-5674501
3 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5674501 The complaint Ms A complains that NewDay Ltd trading as John Lewis Credit Card allowed various fraudulent transactions to be paid on her credit card. She is unhappy NewDay allowed the payments to be made without any checks, that it hasn’t explained how the fraud occurred and... (2 pages)View decision