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 2395 results
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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 -
Decision Reference DRN-4920807
22 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4920807 The complaint Mr S complains that NewDay Ltd trading as Aqua applied an incorrect amount of interest following an adjustment to his account. He says he received poor customer service when trying to resolve this issue and NewDay didn’t raise his complaint and instead added hi... (3 pages)View decision -
Decision Reference DRN-4919242
22 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4919242 The complaint Mr M complains that NewDay Ltd refused his request to increase his credit limit and hasn’t given him a reason why. What happened Mr M has explained that he had a credit card and the provider changed financial partner and he was invited to apply for a new card w... (3 pages)View decision -
Decision Reference DRN-4895290
22 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4895290 The complaint Mr B complains that NewDay Ltd, trading as Aqua, irresponsibly provided him with a credit card account and credit limit increases (CLIs) that he couldn’t afford. What happened In August 2021, Mr B applied for, and obtained, a NewDay credit card account. The cre... (3 pages)View decision -
Decision Reference DRN-4897838
18 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4897838 The complaint Mrs H complains about NewDay Ltd, trading as Aqua, not providing her with adequate support after her credit card account fell into arrears. What happened Mrs H was charged late/missed payment and overlimit fees at £12 a time throughout 2023. She contacted NewDa... (2 pages)View decision
