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-4727511
1 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4727511 The complaint Mr H complains that NewDay Ltd trading as John Lewis Partnership Card (“JLP”) declined his credit application. What happened In September 2022 Mr W made two applications for a JLP credit card. The first application was made on 13 September 2022 and the second appl... (2 pages)View decision -
Decision Reference DRN-4721627
29 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4721627 The complaint Mr A complains about how NewDay Ltd administered his credit card account. What happened Mr A held a credit card with NewDay. In January 2022, NewDay sent Mr A a default notice. It did so because it said he hadn’t made at least the minimum contractual repayment to... (3 pages)View decision -
Decision Reference DRN-4743351
26 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4743351 The complaint Ms Y complains that NewDay Ltd, trading as Pulse Mastercard, continue to hold her liable for a debt which she considers to be settled. Specifically, Ms Y says she made NewDay a full and final settlement offer, which it accepted by cashing her cheque. So, it should... (3 pages)View decision -
Decision Reference DRN-4730674
24 Apr 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4730674 The complaint Mr D says NewDay Ltd irresponsibly lent to him. What happened Between January 2021 and March 2023 Mr D took out four credit cards from NewDay. He complained to the lender in December 2023. It upheld his complaint about the last two cards (cards 3 and 4) that it ga... (3 pages)View decision -
Decision Reference DRN-4725783
22 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4725783 The complaint Mr W complains NewDay Ltd trading as John Lewis Partnership Card instantly turned him down for a credit card. He thinks NewDay are data harvesting. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copie... (4 pages)View decision -
Decision Reference DRN-4665658
19 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4665658 The complaint Mr M complains about several service issues concerning NewDay Ltd trading as Aqua (Aqua). What happened Mr M has a credit card from Aqua. In November 2023, several things caused him to complain. He tried to make a payment with his card but found it had been blocke... (4 pages)View decision -
Decision Reference DRN-4743581
16 Apr 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4743581 The complaint Mr S is complaining that NewDay Limited trading as Aqua lent to him irresponsibly by providing him with, and then increasing the credit limit on, a credit card account. Mr S is represented in his complaint, but for ease I’ve written as if we’ve dealt directly with... (4 pages)View decision -
Decision Reference DRN-4662346
15 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4662346 The complaint Miss W complains that NewDay Ltd acted irresponsibly in lending her a credit card account. What happened Miss W took out a credit card with NewDay in September 2018. The initial credit limit was £450. The credit limit was increased several times as follows: Febru... (6 pages)View decision -
Decision Reference DRN-4699876
8 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4699876 The complaint Mr B complains that NewDay Ltd would not accept a credit card balance transfer from another provider. He says that it was not made clear that a transfer would not be possible, as a result of which he remains paying a high rate of interest. What happened Mr B has a... (2 pages)View decision -
Decision Reference DRN-4727229
8 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4727229 The complaint Mr V complains NewDay Limited has not met its obligations in regard to a transaction he made to have his house painted and associated works. What happened In August 2022 Mr V talked with a company which said it provided house painting ... (5 pages)View decision
