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 DRN-3497810
25 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3497810 The complaint Mr S complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr S in October 2016. They initially provided a credit limit of £300 but in ... (3 pages)View decision -
Decision Reference DRN-2596535
3 Mar 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2596535 The complaint Miss I is unhappy that NewDay Ltd approved her for a series of new credit facilities, which she believes were unaffordable for her at that time. What happened In November 2019, Miss I applied for four different credit cards with four different retailers. However, ... (2 pages)View decision -
Decision Reference DRN9259900
5 Jan 2017 NewDay Ltd UpheldBanking and creditMr C complains that NewDay Ltd tried to take a direct debit payment from his account after telling him it wouldn’t.background Mr C made a payment towards the balance on his NewDay credit card in May 2016. He was told by NewDay that as he had made a payment, the di... (2 pages)View decision -
Decision Reference DRN-3621851
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3621851 The complaint Mr B complains that NewDay Ltd (“NewDay”) irresponsibly granted him an Aqua credit card that he couldn’t afford to repay. What happened Mr B entered into an agreement with NewDay to have access to credit with an Aqua credit card account. The account was opened in ... (3 pages)View decision -
Decision Reference DRN-3630737
4 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3630737 The complaint Mr J complains that NewDay Ltd have irresponsibly lent to him. Mr J is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr J himself. What happened Mr J ... (4 pages)View decision -
Decision Reference DRN1017989
9 Sep 2015 NewDay Ltd Not upheldBanking and creditMrs D has complained that NewDay Ltd opened a store card using an incorrect spelling of her name, and that it charged her late fees. She is also unhappy about the calls it made to her requesting payment.Mrs D is represented by her husband. In this decision, I’ll ... (2 pages)View decision -
Decision Reference DRN7619518
1 Feb 2016 NewDay Ltd Not upheldBanking and creditMrs S complains about a number of accounts which she holds with NewDay Ltd. Her complaint relates to non-receipt of statements and discrepancies with some transactions.backgroundMrs S holds a number of accounts with NewDay Ltd. She bought complaints to this service in ... (2 pages)View decision -
Decision Reference DRN5030710
11 Dec 2018 NewDay Ltd UpheldBanking and creditMiss O complains about the interest rate that NewDay Ltd is applying to her credit card borrowing and that it did not deal with her complaint about this.backgroundMiss O was sent a notice from NewDay dated 21 July 2017 saying that it intended to increase the interest... (2 pages)View decision -
Decision Reference DRN-4452340
6 Dec 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4452340 The complaint Miss D complains that NewDay Ltd trading as Amazon Card has unfairly applied a default to her account. What happened Miss D contacted her bank to claim back payments made to a subscription service that she said she hadn’t agreed to. She says the subscription charg... (3 pages)View decision -
Decision Reference DRN-3123765
20 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3123765 The complaint Mr G complains that NewDay Ltd trading as Debenhams Mastercard (“NewDay Ltd”) incorrectly recorded he had missed payments on his account even though he was granted a payment holiday. What happened Mr G says he tried to carry out a balance transfer with a lender bu... (3 pages)View decision
