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-4249672
31 Jul 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4249672 The complaint Mr W complains that NewDay Ltd trading as Aqua registered a Q marker on his credit file. What happened Mr W says that Aqua had added a Q marker to his credit file. He says Aqua asked for a letter from a credit reference agency (CRA), which he provided to them, but... (3 pages)View decision -
Decision Reference DRN-4257621
20 Jul 2023 NewDay Ltd Not upheldConsumer CreditDRN-4257621 The complaint Mr D complains he was irresponsibly provided with unaffordable credit card accounts and credit limit increases by NewDay Ltd. What happened Mr D was provided with two credit card accounts from NewDay under the brands Marbles and Argos. The below table provides the... (5 pages)View decision -
Decision Reference DRN-4251821
19 Jul 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4251821 The complaint Miss S is unhappy that NewDay Ltd haven’t provided her with the correct type of credit card. What happened Miss S is severely disabled and is prescribed medication which affects her memory. Because of this, a chip and pin credit card isn’t suitable for Miss S, bec... (3 pages)View decision -
Decision Reference DRN-4219522
18 Jul 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4219522 The complaint Mr B is unhappy that NewDay Ltd, trading as Amazon Platinum Mastercard, enabled an unauthorised third-party to gain access to his account and with several aspects of the service he received from NewDay surrounding this matter. What happened On 28 January 2022, Mr ... (3 pages)View decision -
Decision Reference DRN-4237346
18 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4237346 The complaint Mrs F complains that NewDay Ltd lent to her irresponsibly. What happened In July 2020 Mrs F applied for a Fluid credit card. NewDay approved the application and gave Mrs F a card with an initial credit limit of £900. The credit limit was increased to £1700 in Dece... (2 pages)View decision -
Decision Reference DRN-4145914
18 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4145914 The complaint Mr W complains that NewDay Ltd (‘NewDay’), trading as Aqua, irresponsibly granted him a credit card account he couldn’t afford to repay. What happened Mr W entered into an agreement with NewDay to have access to credit by way of a credit card account. The account ... (3 pages)View decision -
Decision Reference DRN-4130630
17 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4130630 The complaint Mr A complains that NewDay Ltd declined his chargeback claim and recorded adverse information on his credit file when the re-debiting of the disputed amount caused his account to go over his credit limit. What happened In November 2022 Mr A bought some headphones ... (2 pages)View decision -
Decision Reference DRN-4212609
14 Jul 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4212609 The complaint Mrs Z complained that NewDay Ltd lent to her irresponsibly. What happened In February 2021 Mrs Z applied for a Fluid credit card account. NewDay approved the application and gave Mrs Z a card with an initial credit limit of £600. The credit limit was increased to ... (3 pages)View decision -
Decision Reference DRN-4238075
13 Jul 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4238075 The complaint Mr I complains about how NewDay Ltd trading as Amazon Card handled a chargeback request. What happened In November 2021, Mr I ordered a laptop from an online retailer. When the laptop arrived, Mr I says he noticed that it was faulty. He says he needed a laptop urg... (3 pages)View decision -
Decision Reference DRN-4083819
11 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4083819 The complaint Mr S complains that NewDay Ltd trading as John Lews Partnership Card declined his credit card application. Mr S also complains that NewDay didn’t give him a clear explanation setting out why the application had been declined in good time. What happened Mr S made t... (2 pages)View decision