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 2123 results
-
Decision Reference DRN-4474978
10 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4474978 The complaint Mr J has complained that NewDay Ltd acted irresponsibly when it increased the credit limits on two credit cards he held with it in 2016. Background Mr J had two NewDay credit cards, one ‘Marbles’ card and one ‘Aqua’ card in 2016. The limit on the Marbles card incr... (3 pages)View decision -
Decision Reference DRN-5058800
4 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5058800 The complaint Mr L has complained that NewDay Ltd unfairly blocked his card, which meant two transactions were declined, causing him to lose ‘points’ he could have accrued. What happened On 10 September 2023, Mr L tried to use his NewDay card for a transaction of £4,385.83. ... (2 pages)View decision -
Decision Reference DRN5150461
20 Oct 2016 NewDay Ltd UpheldBanking and creditMiss D complains that NewDay Ltd rejected her claim under Section 75 Consumer Credit Act 1974 in respect of a payment to an agency to help make a payment protection insurance (PPI) claim. backgroundIn April 2015 Miss D paid an agency I’ll call R £495 which introdu... (2 pages)View decision -
Decision Reference DRN-4536290
29 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4536290 The complaint Mr A complains that NewDay Ltd (NewDay) lent to him irresponsibly. What happened Mr A had two credit cards from NewDay – a Marbles card (issued in August 2015) and an Aqua card (issued in June 2017). On each card, he was offered credit limit increases as shown: Cr... (4 pages)View decision -
Decision Reference DRN5704786
29 Jul 2016 NewDay Ltd Not upheldBanking and creditMr M complains that NewDay Ltd didn’t process his payments to his credit card account properly and didn’t handle his complaint satisfactorily.backgroundMr M made payments through the faster payments system to his credit card account on 26 December 2015 and 27 February... (2 pages)View decision -
Decision Reference DRN5965077
25 Jan 2019 NewDay Ltd Not upheldBanking and creditMiss M complains about interest rate increases on her credit card account with NewDay Ltd.backgroundMiss M has a credit card account with NewDay which she took out in 2014. On three occasions, NewDay increased the interest rate they apply to balances on that account.M... (2 pages)View decision -
Decision Reference DRN6816668
6 Feb 2020 NewDay Ltd UpheldBanking and creditComplaintMr T is unhappy that NewDay Ltd chased him for a debt on a credit card that he didn’t take out.BackgroundI issued my provisional decision on this complaint on 21 January 2020. In it I said:An application for a credit card was taken out in Mr T’s name in November 2016 – his address... (5 pages)View decision -
Decision Reference DRN2125583
17 Jan 2017 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd (trading as Opus) will not refund payments he said he did not make with his credit card.backgroundMr R disputes all the payments made on his credit card in January and February 2016. These were all cash withdrawals and came to over £5... (2 pages)View decision -
Decision Reference DRN-3943620
3 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3943620 The complaint Miss L complains that NewDay Ltd irresponsibly lent to her on a credit card. What happened In September 2015 Miss L applied for an ‘Aqua’ credit card account with NewDay, and initially an opening credit limit of £250 was approved. Over the next four years the limi... (3 pages)View decision -
Decision Reference DRN2659934
18 Sep 2017 NewDay Ltd Not upheldBanking and creditMr M feels that Newday Limited (“Newday”) has treated him unfairly in relation to a transaction which it is holding him accountable for.backgroundMr M complains that he has been held accountable for a transaction with an online shop for goods. Mr M accepts there was a... (2 pages)View decision
