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 2527 results
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Decision Reference DRN-4734208
9 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4734208 The complaint Mr E complains that was unable to contact the fraud department at NewDay Ltd, trading as John Lewis Partnership Card, which left him without the use of his credit card. What happened In November 2023, Mr E attempted to use his NewDay credit card to make a purchase... (2 pages)View decision -
Decision Reference DRN-4652080
9 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4652080 The complaint In summary, Mr S complains that NewDay Ltd trading as Aqua, blocked his credit card account. He would like his account to be unblocked and is unhappy with NewDay’s security process. What happened In June 2023 Mr S opened a credit card account with NewDay. Shortly ... (2 pages)View decision -
Decision Reference DRN-4719662
8 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4719662 The complaint Miss M complains that the credit card she had from NewDay Ltd was unaffordable to her. What happened Miss M was approved for a NewDay credit card in December 2019, and then a credit limit increase as follows: Date Credit Limit 18 Dec 2019 £500 6 Oct 2020 £1,250 Mi... (3 pages)View decision -
Decision Reference DRN-4783601
8 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4783601 The complaint Mr C says NewDay Ltd, trading as John Lewis Credit Card, unfairly continued to block payments he tried to make using his credit card account. What happened Mr C was prevented from making a purchase using his credit card in September 2023 due to suspected fraud. He... (3 pages)View decision -
Decision Reference DRN-4771161
7 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4771161 The complaint Mr L complains that NewDay Ltd trading as Argos Credit approved a credit card instead of the store card he applied for. Mr L also complains that NewDay lent irresponsibly when it approved his credit card application. Mr L also says that despite asking NewDay to ca... (3 pages)View decision -
Decision Reference DRN-4780617
3 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4780617 The complaint Miss H complains that NewDay Ltd have acted irresponsibly by issuing her with a credit card and increasing her limit several times. What happened Miss H has a NewDay credit card and is struggling to make the minimum payment. Her minimum payment is less than the in... (5 pages)View decision -
Decision Reference DRN-4755887
3 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4755887 The complaint Mr T complains that NewDay Ltd (‘NewDay’) irresponsibly gave him five credit card accounts that he couldn’t afford. What happened In January 2020, Mr T applied for and was accepted for an Aqua Classic account with an initial credit limit of £450. There followed o... (3 pages)View decision -
Decision Reference DRN-4772064
2 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4772064 The complaint Miss N complains that NewDay Ltd passed her account to a collection agency after she notified it of financial difficulties. What happened Miss N held an account with NewDay. On 12 April 2023 Miss N requested breathing space and to set up a payment plan on her acco... (4 pages)View decision -
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