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-3536405
13 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3536405 The complaint Mr B complains that NewDay Ltd have irresponsibly lent to him. What happened Mr B was approved for two NewDay credit cards which I will refer to as A and B. NewDay increased the credit limits on both cards, which I have detailed below. Card A – approved December 2... (6 pages)View decision -
Decision Reference DRN-3081877
19 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3081877 The complaint Miss K complains that NewDay Ltd irresponsibly allowed her to open a credit card account and later increased the credit limits. She says the lending was unaffordable. What happened Miss K says she opened the NewDay credit card account in 2015. She says her credit ... (3 pages)View decision -
Decision Reference DRN6004760
28 Nov 2018 NewDay Ltd Not upheldBanking and creditMr E complains NewDay Ltd hasn’t removed the defaults from his credit file. It’s affecting his credit rating. backgroundMr E had a credit card with NewDay a few years ago. He entered into a debt relief order for six years. The defaults on his credit file should’ve ... (2 pages)View decision -
Decision Reference DRN-3858962
26 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3858962 The complaint Mrs F complains that NewDay Ltd trading as Marbles delayed processing a refunded transaction to her credit card account. What happened Mrs F used her NewDay credit card to pay for some flights in January 2020. The flights were subsequently cancelled by the airline... (4 pages)View decision -
Decision Reference DRN-4803519
17 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4803519 The complaint Mrs K has complained that NewDay Ltd, trading as Aqua (“NewDay”), irresponsibly granted her a credit card account, which she couldn’t afford to repay. What happened Mrs K took out a credit card with NewDay in July 2019, with a credit limit of £1,200. Mrs K said sh... (3 pages)View decision -
Decision Reference DRN8921499
24 Jun 2020 NewDay Ltd Not upheldBanking and creditComplaintMrs C has complained that NewDay Ltd won’t refund a payment she made after being scammed.BackgroundMrs C responded to a text message, which appeared to come from Google. It said that as she’d been a longstanding customer, she was eligible to enter into a prize draw for a phone. Al... (2 pages)View decision -
Decision Reference DRN-5253654
10 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5253654 The complaint Mrs L says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs L took out an Aqua credit card from NewDay in December 2023. She was given a £1,200 credit limit. This was increased to £2,400 in April 2024. Mrs L says the repayments are unaf... (3 pages)View decision -
Decision Reference DRN-4922655
24 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4922655 The complaint Mr H complains that NewDay Ltd irresponsibly lent to him. What happened Mr H was approved for two NewDay credit cards which I will refer to as A and B. I have detailed the initial credit limits and the credit increases for A below. Card A – approved October 20... (5 pages)View decision -
Decision Reference DRN-3825857
29 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3825857 The complaint Mrs R complains that NewDay Ltd (‘NewDay’) irresponsibly gave her a credit card account and credit limit increases that she couldn’t afford. What happened In January 2020, Mrs R applied for a credit card account with NewDay. She was given an initial credit limit o... (2 pages)View decision -
Decision Reference DRN-3046167
15 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3046167 The complaint Miss T complains that NewDay Ltd, trading as Argos Classic Credit Card (“NewDay”), failed to carry out appropriate affordability checks before approving credit, and subsequent credit limit increases. What happened Between 2011 and 2019 Miss T applied for and was a... (5 pages)View decision
