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 2509 results
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Decision Reference DRN-5539344
12 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5539344 The complaint Miss H complains NewDay Ltd trading as Pulse (“NewDay”) irresponsibly lent her a credit card and increased the credit limit on a number of occasions without completing sufficient checks. Miss H is being represented by a professional third party, but for ease o... (3 pages)View decision -
Decision Reference DRN-5551845
12 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5551845 The complaint In summary, Mr M complains that NewDay Ltd, irresponsibly provided him with two credit cards he says he couldn’t afford. He also says it shouldn’t have allowed him to make payments to certain merchants, because they were gambling transactions. He asks for compe... (7 pages)View decision -
Decision Reference DRN-5552313
12 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5552313 The complaint Mr K complains that NewDay Ltd irresponsibly lent to him. What happened Mr K was approved for a NewDay branded credit card (which I will refer to as A in this decision), in January 2011 with a credit limit of £500. I have detailed the credit limit changes below... (7 pages)View decision -
Decision Reference DRN-5539213
12 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5539213 The complaint Mr T complains that NewDay Ltd, trading as Aqua, failed to present a cheque he sent to them for payment. What happened I issued my provisional decision on this complaint in April 2025. An extract from that provisional decision is set out below. In August 2024 M... (4 pages)View decision -
Decision Reference DRN-5535368
9 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5535368 The complaint Miss B complains that NewDay Ltd (‘NewDay’), trading as Pulse, irresponsibly granted her a credit card account she couldn’t afford to repay. What happened Miss B entered into an agreement with NewDay to have access to credit with a Pulse credit card account. T... (3 pages)View decision -
Decision Reference DRN-5548487
9 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5548487 The complaint In order to protect the consumer’s anonymity, I’ll refer to him as ‘X’ throughout this decision. X complains about the way that NewDay Ltd trading as Pulse (‘Pulse’) handled his credit card account. X is being represented. Any references to X will include submi... (3 pages)View decision -
Decision Reference DRN-5513198
9 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5513198 The complaint Mrs A complains that NewDay Ltd trading as Marbles was irresponsible in its lending to her. She wants all interest and charges applied to her credit card account from the first credit limit increase refunded along with statutory interest. She also wants any adv... (4 pages)View decision -
Decision Reference DRN-5352189
8 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5352189 The complaint Mr W complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr W applied for a credit card with Aqua in January 2019. In his application, Mr W said he was emp... (3 pages)View decision -
Decision Reference DRN-5539427
8 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5539427 The complaint Mr R complains NewDay Ltd trading as Fluid (“NewDay”) lent a credit card and increased the credit limit irresponsibly. Mr R is being represented on this complaint by a professional third party, but for ease of reference, I’ll refer to Mr R throughout. What ha... (3 pages)View decision -
Decision Reference DRN-5064406
6 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5064406 The complaint Mr G has complained that NewDay Ltd trading as Partnership Card failed to obtain a refund for a transaction made using his NewDay credit card. What happened In March 2024, Mr G hired a cement mixer from a company that I’ll refer to as T. Mr G paid for the hire ... (3 pages)View decision