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 2101 results
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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 DRN-3605525
10 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3605525 The complaint Miss N complains that NewDay Ltd lent to her irresponsibly and charged high rates of interest. What happened Miss N took out an Aqua credit card with NewDay in March 2017 with an initial credit limit of £900, followed by three credit limit increases. The account w... (4 pages)View decision -
Decision Reference DRN-4582568
19 Mar 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4582568 The complaint Mr A complains about how long NewDay Ltd, trading as Opus, took to unblock his credit card account after he made an overpayment. What happened On 5 September 2023, Mr A made a £6,507.50 balance transfer payment from a credit card with another bank to his NewDay cr... (2 pages)View decision -
Decision Reference DRN4741266
18 Sep 2014 NewDay Ltd UpheldPayment protection insurance (PPI)This complaint concerns the sale of a regular premium payment protection insurance (PPI) policy. Mr U complains that he was mis-sold the insurance by NewDay Ltd (NewDay)backgroundMr U purchased the insurance in connection with a credit card in 2000. The adjudicator concluded that NewD... (3 pages)View decision -
Decision Reference DRN-3134987
17 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3134987 The complaint Ms A complains that NewDay Ltd irresponsibly allowed her to open three credit card accounts and later increased the credit limits on them which was unaffordable. What happened Ms A says she opened three NewDay credit card accounts which I will call “A”, “M” and “D... (3 pages)View decision -
Decision Reference DRN-3447957
17 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3447957 The complaint Mr D says NewDay Ltd restricted the online access to his credit card account. It didn’t lift this when he called to find out why, yet still demanded payment despite him being unable to check his statements. What happened NewDay applied a fraud block to Mr D’s acco... (2 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 DRN6114113
27 Aug 2015 NewDay Cards Ltd Not upheldBanking and creditMiss W complains that NewDay Cards Ltd registered a default on her credit file after she made a reduced payment to settle her debt. She also complains about the time it took to respond to her complaint and update her address.background Miss W was experiencing probl... (2 pages)View decision -
Decision Reference DRN-3782320
1 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3782320 The complaint Miss T complains that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it provided her with a credit card. What happened NewDay opened a credit card account for Miss T in May 2018 with a credit limit of £900. This type of credit was an open-ended or... (3 pages)View decision -
Decision Reference DRN-4783601
8 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4783601 The complaint Mr C says NewDay Ltd, trading as John Lewis Credit Card, unfairly continued to block payments he tried to make using his credit card account. What happened Mr C was prevented from making a purchase using his credit card in September 2023 due to suspected fraud. He... (3 pages)View decision
