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 2068 results
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Decision Reference DRN-5126901
24 Jan 2025 NewDay Ltd Not upheldConsumer CreditDRN-5126901 The complaint Mrs P complains that NewDay Ltd (“NewDay”) irresponsibly provided her with credit on a credit card account that she couldn’t afford to repay. What happened In November 1999 Mrs P entered into an agreement to have access to credit by way of a Debenhams branded ... (3 pages)View decision -
Decision Reference DRN-5252229
24 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5252229 The complaint Mr G complains that NewDay lent irresponsibly when it approved three different credit card applications he made and increased the credit limits. What happened Mr G applied for a Debenhams credit card with NewDay in February 2019. In his application, Mr G said ... (4 pages)View decision -
Decision Reference DRN-5219694
24 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5219694 The complaint Miss A complains that NewDay trading as Aqua lent irresponsibly when granting her a credit card and subsequent credit increases. What happened In August 2018 Miss A applied for a credit card with Aqua with an initial limit of £450. Her limit went on to be incr... (6 pages)View decision -
Decision Reference DRN-5249176
22 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5249176 The complaint Mr G complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and then increased the credit limits. What happened Mr G applied for a Marbles credit card with NewDay in November 2015. In his application, Mr G said he wa... (3 pages)View decision -
Decision Reference DRN-5151422
17 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5151422 The complaint Mr J complains that NewDay Ltd trading as Pulse irresponsibly lent to him. Mr J 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 Mr J him... (3 pages)View decision -
Decision Reference DRN-5213600
17 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5213600 The complaint Miss M complains NewDay Ltd trading as Aqua irresponsibly lent to her. Miss 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 Miss M her... (5 pages)View decision -
Decision Reference DRN-5267625
16 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5267625 The complaint Mrs R complains that NewDay Ltd trading as Aquacard (NewDay) was irresponsible to open a credit account for her and to later increase the credit limit. Mrs R has brought her complaint via a representative but I will refer to her throughout for simplicity. Wha... (5 pages)View decision -
Decision Reference DRN-5170041
16 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5170041 The complaint Miss S complains that NewDay Ltd (‘NewDay’) trading as Debenhams Mastercard, applied a default unfairly because it applied it around two years after it first issued a default notice. What happened Miss S had a NewDay branded credit card. In March 2018 she told... (3 pages)View decision -
Decision Reference DRN-5196463
15 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5196463 The complaint Mrs B complains that NewDay Ltd (trading as Marbles Card) was irresponsible when it offered her credit. What happened NewDay opened a credit card account for Mrs B in early August 2022 with a credit limit of £900. This type of credit was an open-ended or runni... (3 pages)View decision -
Decision Reference DRN-5203237
15 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5203237 The complaint Miss T complains about the service she received when she contacted NewDay Ltd trading as Aqua to set up a repayment plan. What happened Miss T holds a credit card account with Aqua. The card fell into arrears. On 22 May 2024 Miss T called NewDay to set up a pay... (3 pages)View decision
