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-3718104
21 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3718104 The complaint Mr D complains that NewDay Ltd irresponsibly gave him a credit card account that he couldn’t afford. What happened Mr D took out a credit card whilst he was a student and working part time. Mr D feels he was pressured into taking out the credit. He feels the lendi... (2 pages)View decision -
Decision Reference DRN3426042
19 Jul 2017 NewDay Ltd Not upheldBanking and creditMr R complains that he was wrongly charged by NewDay Ltd for going over the limit on his credit card and would like the charge to be refunded.backgroundMr R has a credit card account with NewDay Ltd which has a credit limit of £500. NewDay charged him when he went ov... (1 page)View decision -
Decision Reference DRN1556265
23 Sep 2015 NewDay Ltd Not upheldBanking and creditMrs B complains that NewDay Ltd declined her application for credit without giving a valid reason. backgroundIn May 2015, Mrs B applied for a credit account while at a retail store. Her credit application was declined. Mrs B says she was embarrassed by this experience ... (2 pages)View decision -
Decision Reference DRN4162394
20 Jul 2016 NewDay Ltd UpheldBanking and creditMrs A complains that NewDay Ltd didn’t accept her claim under S 75 Consumer Credit Act 1974 in respect of furniture.backgroundIn February 2013 Mrs A bought two sofas from a retailer I’ll call D. She says that within six months the leather began to peel off. D repa... (2 pages)View decision -
Decision Reference DRN-3853990
12 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3853990 The complaint Mr P complains about a claim NewDay Ltd (‘NewDay’) handled for him in relation to a transaction on his credit card. What happened Mr P bought an annual membership to a gym (‘the supplier’) in 2019 using his credit card. However, because of the restrictions put in ... (5 pages)View decision -
Decision Reference DRN1894786
29 Aug 2017 NewDay Ltd Not upheldBanking and creditMr H complains that NewDay Ltd mis-sold him a credit card. He says that he waspressured into taking out the card and didn’t need it; he wasn’t given a clear explanation about the interest or the terms and conditions. backgroundMr H applied for his card in a depa... (2 pages)View decision -
Decision Reference DRN5560621
16 Mar 2018 NewDay Ltd Not upheldBanking and creditMrs B and Ms B are unhappy NewDay Ltd weren’t able to help with a dispute over a damaged hire car.backgroundMrs B had a joint account with her daughter Ms B. The problems related to a vehicle hired in May 2017. When it was returned 12 days later some damage was noted. ... (2 pages)View decision -
Decision Reference DRN8601568
3 Mar 2018 NewDay Ltd UpheldBanking and creditMr B complains about the service he received from NewDay Ltd. He wants the charges refunded and adverse findings removed from his credit file.backgroundMr B complains about the interest charged on his account with NewDay.Mr B made purchases in April and May 2017. He s... (2 pages)View decision -
Decision Reference DRN1208376
28 Nov 2014 NewDay Cards Ltd Not upheldBanking and creditMr E complains about the interest applied to his account by NewDay Cards Ltd after he paid off the balance due. our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He was not persuaded that Mr E had asked NewDay to close his account. This m... (2 pages)View decision -
Decision Reference DRN7573921
4 Dec 2014 NewDay Ltd Not upheldBanking and creditMr H complains Newday Ltd (trading as Aqua) should refund the cost of his holiday under section 75 of the Consumer Credit Act 1974. our initial conclusionsOur adjudicator says for section 75 to apply there has to be an unbroken relationship between the debtor (Mr H), the credito... (2 pages)View decision
