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-3079881
4 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3079881 The complaint Mrs N complains that NewDay Ltd irresponsibly increased the credit limit on her credit card account to unaffordable levels. What happened Mrs N says she accepts that NewDay was entitled to allow her to open her credit card account in 2017. She says she was working... (3 pages)View decision -
Decision Reference DRN-3932179
30 Jan 2023 NewDay Cards Ltd UpheldBanking and PaymentsDRN-3932179 The complaint Mr M complains that NewDay Cards Ltd (NewDay) defaulted his account and marked his credit file. What happened Mr M is very ill and is represented by his wife, Mrs M. But I will refer to Mr M as the complainant in this provisional decision. Mr M had a branded credi... (5 pages)View decision -
Decision Reference DRN7142740
4 Feb 2015 NewDay Ltd UpheldBanking and creditMr L complains that NewDay Ltd has applied charges and interest to his Aqua credit card account despite him trying to make the required payments. NewDay has also recorded adverse information on Mr L’s credit file. Mr L wants NewDay to refund all charges and interest and correct his cr... (2 pages)View decision -
Decision Reference DRN0089135
25 Aug 2016 NewDay Ltd UpheldBanking and creditMrs A complains that NewDay Ltd. refused to increase her credit limit due to an error in their records.backgroundMrs A said she’d asked NewDay to increase her credit limit several times but was refused and given a variety of generic reasons. It later became clear t... (2 pages)View decision -
Decision Reference DRN8522663
13 Mar 2019 NewDay Ltd UpheldPayment protection insurance (PPI)This complaint is about a payment protection insurance (PPI) policy taken out with a credit card in 1996. Mr B says NewDay Ltd mis-sold him the PPI.my findingsI’ve considered all the available evidence and arguments to decide what is fair and reasonable in the cir... (2 pages)View decision -
Decision Reference DRN7377913
3 Aug 2018 NewDay Ltd UpheldBanking and creditMiss H complains that NewDay Ltd (trading as Aqua) has not returned a credit balance on her credit card account.backgroundMiss H arranged a payment to her card account from a different business in June 2017. This meant her card account with NewDay went into credit. It... (2 pages)View decision -
Decision Reference DRN1069504
25 Feb 2019 NewDay Ltd UpheldBanking and creditMiss T and her representative complain about a letter NewDay Ltd sent her which they say was misleading.backgroundMiss T wanted to start a section 75 Consumer Credit Act claim with NewDay to obtain a refund for some damaged items bought from a retailer. But NewDay re... (2 pages)View decision -
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-4045882
4 Apr 2023 NewDay Ltd UpheldConsumer CreditDRN-4045882 The complaint X complains that NewDay Ltd led her to believe her claim to reject a faulty item of furniture had been accepted. What happened I want to assure X, if I don’t address every point that’s been raised, it’s not because I haven’t thought about it. I have considered eve... (4 pages)View decision -
Decision Reference DRN-5190849
13 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5190849 The complaint Miss B complains that NewDay Ltd failed to reduce the outstanding balance on her credit card account after agreeing to do so. What happened Miss B holds a credit card account with NewDay. She entered a payment agreement with NewDay on 10 April 2024. She agreed ... (3 pages)View decision
