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-4142791
5 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4142791 The complaint Mr K complains that NewDay Ltd lent to him irresponsibly. What happened In December 2019 Mr K applied for an Argos card. NewDay approved the application and gave Mr K a card with an initial credit limit of £500 The credit limit was increased to £500 in December 20... (3 pages)View decision -
Decision Reference DRN-4163080
31 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4163080 The complaint Mrs J says NewDay Limited has treated her unfairly in relation to a transaction on her credit card which paid for a package holiday. What happened In October 2021 Mrs J used her NewDay credit card to pay for a package holiday for her family which was due to take p... (4 pages)View decision -
Decision Reference DRN-3701077
31 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3701077 The complaint Mrs E complains about how NewDay Ltd trading as Amazon Card (‘NewDay’) handled a claim she made to it about a transaction on her credit card. What happened In January 2021 Mrs E paid £473.55 (for flights due to take place that June) using her NewDay credit card. M... (3 pages)View decision -
Decision Reference DRN-4107653
26 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4107653 The complaint Mr B has complained that NewDay Ltd trading as Aqua won’t reimburse him money he paid for goods he says weren’t received. What happened Mr B paid £171.20 to an online merchant in October 2022 using his Aqua credit card. He disputed the transaction with Aqua the fo... (3 pages)View decision -
Decision Reference DRN-4155517
26 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4155517 The complaint Mr D complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two credit card account facilities that he couldn’t afford. What happened In March 2020, Mr D applied for and was given a credit card account with NewDay with an initial credit limit of £300, under t... (3 pages)View decision -
Decision Reference DRN-4086960
26 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4086960 The complaint Mr D complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two credit card account facilities that he couldn’t afford. What happened In March 2020, Mr D applied for and was given a credit card account with NewDay with an initial credit limit of £300, under t... (3 pages)View decision -
Decision Reference DRN-4133176
25 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4133176 The complaint Miss B complains that NewDay Ltd lent to her irresponsibly. What happened Miss B’s complaint is about two credit cards with NewDay. In July 2019 Miss B applied for a Fluid card. NewDay approved the application and gave Miss B a card with an initial credit limit of... (3 pages)View decision -
Decision Reference DRN-4118915
25 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4118915 The complaint Ms E complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened In August 2021 Ms E applied for a Fluid credit card with NewDay. The application said Ms E was e... (2 pages)View decision -
Decision Reference DRN-4118949
25 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4118949 The complaint Ms E complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Ms E applied for an Aqua credit card with NewDay in May 2020. In the application, Ms E said she was e... (2 pages)View decision -
Decision Reference DRN-3941834
25 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3941834 The complaint Miss B complains that NewDay Ltd lent to her irresponsibly when it agreed three credit card accounts for her and subsequent credit limit increases which she says were unaffordable for her circumstances. What happened Miss B applied for a credit card account (card ... (3 pages)View decision