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
-
Decision Reference DRN-3772127
30 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3772127 The complaint Mrs C complains NewDay Ltd (NewDay) failed to deal with a section 75 claim fairly. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on giving my reasons for my decision. What I’ve dec... (2 pages)View decision -
Decision Reference DRN3658543
16 Jun 2016 NewDay Ltd Not upheldBanking and creditMiss B believes NewDay Ltd has acted unfairly by charging her late payment fees to her credit card account. She says she has paid in line with what she’d agreed and has asked for all these fees to be refunded with interest.backgroundMiss B took out a NewDay credit ... (2 pages)View decision -
Decision Reference DRN-3349878
3 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3349878 The complaint Mr H complains that NewDay Ltd refused to refund a transaction made to a scam binary options trading platform. What happened Mr H came across a binary options merchant called SolidCFD (‘S’) on Facebook. He left his contact details and a broker from S called him pr... (7 pages)View decision -
Decision Reference DRN7563608
29 Jun 2016 NewDay Ltd Not upheldBanking and creditMr K complains that NewDay Ltd opened up a credit card account for him when he believed he was agreeing to a loyalty card account. He wants his credit file amended to not show the credit card being applied for.background Mr K says that he was in a store and th... (2 pages)View decision -
Decision Reference DRN2132872
31 Oct 2014 NewDay Ltd Not upheldPayment protection insurance (PPI)Mr R’s complaint is about the sale of a regular premium payment protection insurance (PPI) policy attached to his credit card. Mr R says that NewDay Ltd (NewDay) mis-sold the policy to him. backgroundMr R took out a credit card in 2000. Mr R says PPI was added to his account without hi... (3 pages)View decision -
Decision Reference DRN7826260
10 Jan 2019 NewDay Ltd Not upheldBanking and creditMr K complains that NewDay Ltd was irresponsible in letting him have a credit card. backgroundMr K applied for a credit card in October 2013 and it was granted with a £250 limit. His application form showed he was employed earning £21,800 and he had other income of ... (2 pages)View decision -
Decision Reference DRN-4543999
22 Feb 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4543999 The complaint Mr C has complained NewDay Ltd are holding him liable for the debt on a credit card account which he didn’t open. What happened A credit card account was opened with AO in Mr C’s name in May 2023. This is operated by NewDay. Within the first few days of the accoun... (2 pages)View decision -
Decision Reference DRN-4909585
6 Aug 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4909585 The complaint Miss S complains that NewDay Ltd was irresponsible in its lending to her. Miss S is represented by a third party but for ease of reference I have referred to Miss S throughout this decision. What happened Miss S was provided with a credit card account by NewDay... (4 pages)View decision -
Decision Reference DRN-3890626
10 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3890626 The complaint Mrs B complains that NewDay Ltd trading as Fluid was irresponsible in its lending to her. Mrs B is represented by a family member but for ease of reference I have referred to Mrs B throughout this decision. What happened Mrs B was provided with a Fluid credit card... (3 pages)View decision -
Decision Reference DRN-2868860
21 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2868860 The complaint Miss G complains that NewDay trading as Aqua irresponsibly allowed her to open two credit card accounts and later increased the credit limit. She complains that the lending was unaffordable. What happened Miss G says her credit card accounts were unaffordable and ... (3 pages)View decision
