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 2568 results
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Decision Reference DRN-3268752
26 Apr 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3268752 The complaint Miss H complains that NewDay Ltd incorrectly recorded missed payments on her credit file after she made the payments due under her repayment plan. What happened Miss H is in a repayment plan after falling into financial difficulties. She says she contacted the com... (2 pages)View decision -
Decision Reference DRN4280658
21 Feb 2018 NewDay Ltd Not upheldBanking and creditMr R feels that the NewDay Ltd has treated him unfairly with regard to two credit card transactions he disputes, one from July and one from November 2016.backgroundIn January 2018 I issued a provisional decision upholding this complaint (attached). In short I found th... (3 pages)View decision -
Decision Reference DRN-4730674
24 Apr 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4730674 The complaint Mr D says NewDay Ltd irresponsibly lent to him. What happened Between January 2021 and March 2023 Mr D took out four credit cards from NewDay. He complained to the lender in December 2023. It upheld his complaint about the last two cards (cards 3 and 4) that it ga... (3 pages)View decision -
Decision Reference DRN-4948527
25 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-4948527 The complaint Mrs K complained about the way NewDay Ltd dealt with a claim for a refund for services she bought using her credit card. What happened Mrs K is represented in her complaint by her husband. But to keep things simple I have referred to all submissions and action... (6 pages)View decision -
Decision Reference DRN8031684
18 Apr 2016 NewDay Cards Ltd Not upheldBanking and creditMr B complains, through his representative, that NewDay Cards Ltd won’t remove a default on his credit record.backgroundIn May 2004 Mr B opened an account with a third party organisation which then became NewDay Cards Ltd. It sent statements to Mr B every month an... (2 pages)View decision -
Decision Reference DRN-3501907
21 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3501907 The complaint Mr C has complained that NewDay Ltd irresponsibly lent to him. He says he was provided with credit that he couldn’t afford and he lost out as a result. What happened Mr C opened a credit card account with NewDay in March 2019. His credit limit was initially £250. ... (4 pages)View decision -
Decision Reference DRN-5740378
8 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5740378 The complaint Mr K complains, through his representative, that NewDay Ltd (“NewDay”) gave him credit cards and increased the limit of the cards without carrying out adequate affordability checks. What happened Mr K was granted two credit cards, and a summary of Mr K’s credi... (4 pages)View decision -
Decision Reference DRN8446573
13 Mar 2018 NewDay Ltd UpheldBanking and creditMr M complains NewDay Ltd failed to close his account properly resulting in transactions still being applied to his account. He doesn’t feel the compensation offered by NewDay Ltd reflects the inconvenience he has experienced.backgroundMr M had a credit card with NewD... (2 pages)View decision -
Decision Reference DRN-2821995
23 Jun 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2821995 The complaint Mr Q complains that NewDay Ltd (NewDay) defaulted his accounts. What happened Mr Q had two cards provided by NewDay – an Opus card and a Fluid card. He was struggling with repayments and by January 2020, he had debts of £2284 on the Opus card, and £5012 on the Flu... (3 pages)View decision -
Decision Reference DRN-3425867
13 May 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3425867 The complaint Mr E complains that NewDay Ltd (‘NewDay’) irresponsibly gave him 2 credit card account facilities that he couldn’t afford. What happened On 8 November 2017, Mr E applied for and was given a credit card account with NewDay with a credit limit of £900 under the trad... (2 pages)View decision