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 2421 results
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Decision Reference DRN-5301786
7 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5301786 The complaint Mr D, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr D took out a credit card from NewDay on 3 February 2021. He was given a credit limit of £600. This was increased four times over the next two years. Mr... (3 pages)View decision -
Decision Reference DRN-4730846
18 Jun 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4730846 The complaint Mr L, through his professional representative, complains that NewDay Ltd never carried out the right checks before giving him two credit cards and several credit limits increases. What happened Mr L applied on-line for two credit cards with NewDay. The first appli... (4 pages)View decision -
Decision Reference DRN-4302349
3 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4302349 The complaint Ms M is unhappy that NewDay Ltd won’t increase her credit card account limit and she doesn’t think it’s adequately explained why it won’t. What happened Ms M recently asked NewDay Ltd to increase her credit card account limit. It refused. NewDay told Ms M that she... (2 pages)View decision -
Decision Reference DRN8858426
5 May 2017 NewDay Ltd Not upheldBanking and creditMiss P complains that she has been the victim of identity theft and that a number of payments made through an account in her name were carried out by somebody else. She wants NewDay Ltd to write off the debt and to amend her credit file. backgroundMiss P says a cre... (3 pages)View decision -
Decision Reference DRN-4351525
23 Feb 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4351525 The complaint Mr T complains that NewDay Ltd trading as John Lewis Partnership Card (NewDay) failed to cancel a continuous payment authority on his credit card when he asked them to. What happened Mr T had agreed a recurring payment on his credit card with a property maintenanc... (3 pages)View decision -
Decision Reference DRN9005363
30 Sep 2019 NewDay Ltd Not upheldBanking and creditMr S complains that NewDay Ltd didn’t close his credit card account when he asked it to.backgroundMr S asked NewDay to close his credit card account in late 2018. In early 2019 he received a letter from NewDay referring to his old card and saying his credit limit was being reduced due to i... (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-4040014
22 Mar 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4040014 The complaint Mr J is complaining that NewDay Ltd applied missed payments to his credit file. What happened In May 2019 Mr J entered into a credit card agreement with NewDay. In May 2021 he entered into a repayment plan to pay a reduced monthly payment of £30 per month. In Octo... (2 pages)View decision -
Decision Reference DRN-1142334
31 Mar 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1142334The complaintMr L complains about Newday Limited’s (“Newday”) handling of a missing payment.What happenedMr L had a credit card with Newday. He paid £746.15 towards the balance on 1 July 2019. Mr L was then notified by text that he had missed a payment. The payment was found and... (2 pages)View decision -
Decision Reference DRN-4499878
6 Dec 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4499878 The complaint Ms R complains that NewDay Ltd trading as Pulse Credit Card didn’t apply a payment she made to her credit card account. What happened In December 2022, Ms R says she made a payment of £650 from her bank account to her NewDay credit card account. Ms R says the paym... (3 pages)View decision
