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 2113 results
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Decision Reference DRN-5044560
10 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5044560 The complaint Mr J complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr J’s complaint is about a credit card supplied by NewDay. The account was opened in July 2021 with an initial credit limit of £1,200. The credit limit was increased to £24... (2 pages)View decision -
Decision Reference DRN8063383
4 Sep 2019 NewDay Ltd Not upheldBanking and creditComplaintMr S complains that NewDay Ltd pursued him for a debt he says he didn’t recognise and then failed to explain what it was for. BackgroundIn May 2017 an application was made in Mr S’s name for an Amazon credit card. The Amazon credit card is issued and administered by NewDay Ltd. A ... (2 pages)View decision -
Decision Reference DRN-5145854
14 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5145854 The complaint Mrs R has complained that NewDay Ltd, trading as Aquacard (“NewDay”), irresponsibly granted her a credit card account, and subsequently increased the credit limit, which she couldn’t afford to repay. What happened Mrs R took out a credit card with NewDay on 30 ... (6 pages)View decision -
Decision Reference DRN-4302349
3 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4302349 The complaint Ms M is unhappy that NewDay Ltd won’t increase her credit card account limit and she doesn’t think it’s adequately explained why it won’t. What happened Ms M recently asked NewDay Ltd to increase her credit card account limit. It refused. NewDay told Ms M that she... (2 pages)View decision -
Decision Reference DRN1184535
1 Feb 2019 NewDay Ltd UpheldPayment protection insurance (PPI)This complaint is about a payment protection insurance (PPI) policy taken out with a credit card in 1998. Mr D says NewDay Ltd mis-sold him the PPI.my findingsI’ve considered all the available evidence and arguments to decide what is fair and reasonable in the circ... (2 pages)View decision -
Decision Reference DRN7174270
2 Feb 2017 NewDay Ltd UpheldBanking and creditMs E complains that NewDay Ltd registered a default on her credit file without notifying her beforehand.backgroundIt is agreed that in 2015, Ms E entered into a £1 per month payment plan to repay her £3,000 credit card debt. NewDay agreed that no interest would be c... (2 pages)View decision -
Decision Reference DRN2779560
25 Jul 2016 NewDay Cards Ltd Not upheldBanking and creditMs V complains that NewDay Cards Ltd (trading as Topshop) closed her account without warning her, and is pursuing her for arrears.backgroundMs V had a Topshop account card. When she tried to use it in a shop in December 2015, she discovered that it wouldn’t work anymore.... (2 pages)View decision -
Decision Reference DRN8195787
9 Jul 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd recorded a default on his credit file when he entered into a payment plan.backgroundMr R opened a credit card account with NewDay in October 2014. In August 2017 he contacted NewDay and told it he was experiencing financial hardship. Following this, NewDay se... (2 pages)View decision -
Decision Reference DRN-2642735
2 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2642735 The complaint Mr M complains that NewDay Ltd (“NewDay”) irresponsibly lent to him across several credit cards which has caused him financial hardship and debts he cannot repay. What happened The background to this complaint is well known to both parties and has been detailed by... (2 pages)View decision -
Decision Reference DRN-3854425
14 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3854425 The complaint Miss B complains that NewDay Ltd irresponsibly gave her a credit card account that she couldn’t afford. What happened In December 2016, Miss B’s credit card was opened by NewDay Ltd with an initial credit limit of £300. This credit limit was never increased. In 20... (2 pages)View decision
