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-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-2953588
2 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2953588 The complaint Mr G complains that by NewDay Ltd increasing his credit limit on his Debenhams card meant the repayments were unaffordable for him. What happened Mr G had two credit cards with NewDay – a Fluid credit card and a Debenhams credit card. In November 2019, NewDay lowe... (5 pages)View decision -
Decision Reference DRN0645248
2 Aug 2017 NewDay Ltd Not upheldBanking and creditMr A complains that NewDay Ltd defaulted his credit card account and passed it to a debt collection agency.backgroundMr A opened a credit card account with Aqua with a credit limit of £3400. By the end of May 2016 the balance had reached £3,475.28. The balance rem... (2 pages)View decision -
Decision Reference DRN0436566
17 Jan 2020 NewDay Ltd Not upheldPayment protection insurance (PPI)Mr T’s complaint is about how NewDay Ltd (NewDay) has calculated the compensation for a mis-sold payment protection insurance (PPI) policy that was taken out alongside a credit card.backgroundMr T took out a credit card with NewDay in April 2008 and alongside this he took out a PPI policy.... (3 pages)View decision -
Decision Reference DRN-3538734
30 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3538734 The complaint Ms P complains that NewDay Ltd (“NewDay”) irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved several credit card applications for Ms P, as follows: Amazon credit card approved April 2018 with an initial credit limit o... (3 pages)View decision -
Decision Reference DRN-5270346
3 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5270346 The complaint Mr B, through a representative, says NewDay Ltd, trading as Marbles Card, irresponsibly lent to him. What happened Mr B opened a credit card with NewDay in January 2018. He was given a £300 credit limit. This was increased to £1,200 in June 2018, to £2,600 in O... (3 pages)View decision -
Decision Reference DRN-3809817
28 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3809817 The complaint Mrs S complains that NewDay Ltd trading as Aqua, irresponsibly increased the credit limit for a credit card she held with it and that she subsequently found the repayments unaffordable. What happened In August 2006, Mrs S opened a credit card account with NewDay w... (5 pages)View decision -
Decision Reference DRN-4590750
6 Feb 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4590750 The complaint Mrs L says NewDay Ltd, trading as John Lewis Credit Card, mis-handled her credit card account. She says it asked her to pay an outstanding balance on the account while failing to provide the account statements she’d requested. What happened Mrs L’s credit card acc... (2 pages)View decision -
Decision Reference DRN-5058800
4 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5058800 The complaint Mr L has complained that NewDay Ltd unfairly blocked his card, which meant two transactions were declined, causing him to lose ‘points’ he could have accrued. What happened On 10 September 2023, Mr L tried to use his NewDay card for a transaction of £4,385.83. ... (2 pages)View decision -
Decision Reference DRN-4610436
11 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4610436 Complaint Mrs G has complained that NewDay Ltd (“NewDay”) irresponsibly provided her with credit card accounts, which it then allowed her to access funds in order to gamble even after a prohibition on using credit cards for gambling was introduced. Background Mrs G had two cred... (6 pages)View decision
