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 2553 results
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Decision Reference DRN-5270346
3 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5270346 The complaint Mr B, through a representative, says NewDay Ltd, trading as Marbles Card, irresponsibly lent to him. What happened Mr B opened a credit card with NewDay in January 2018. He was given a £300 credit limit. This was increased to £1,200 in June 2018, to £2,600 in O... (3 pages)View decision -
Decision Reference DRN-3538734
30 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3538734 The complaint Ms P complains that NewDay Ltd (“NewDay”) irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved several credit card applications for Ms P, as follows: Amazon credit card approved April 2018 with an initial credit limit o... (3 pages)View decision -
Decision Reference DRN8145815
27 Apr 2020 NewDay Ltd UpheldBanking and creditMr D is unhappy that he’s been charged interest by NewDay Ltd (trading as ‘Aqua’) on a default fee plan.backgroundI sent my provisional decision to both parties on 24 March 2020. A copy of this is attached below and forms part of this final decision. In it I explained why I thought this co... (4 pages)View decision -
Decision Reference DRN5748377
7 Jun 2019 NewDay Ltd UpheldBanking and creditMr D complains that NewDay Ltd have refused to refund him for goods he purchased with his store card.backgroundI sent my provisional decision to both parties on 30 April 2018. A copy of this is attached and forms part of this final decision. In it I set out the ba... (4 pages)View decision -
Decision Reference DRN3587251
23 Nov 2017 NewDay Ltd UpheldBanking and creditMrs G complains that NewDay Ltd rejected her claim under Section 75 Consumer Credit Act 1974 in respect of a new kitchen.backgroundMrs G engaged company I’ll call K to install a new bathroom and cloakroom. It gave her a price and sent an invoice for £6,900. She p... (2 pages)View decision -
Decision Reference DRN-5600069
20 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5600069 The complaint Mr Y complains about NewDay Ltd, trading as John Lewis Credit Card, refusing his request to increase his credit limit and not giving him the reason. What happened Mr Y has had a credit card with NewDay since October 2022 with a credit limit of £5,000. Mr Y say... (2 pages)View decision -
Decision Reference DRN-5925092
10 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-5925092 The complaint Mr H complains about NewDay Ltd’s handling of his Section 75 claim. What happened The background to this complaint is well known to both parties, so I won’t repeat it here at length. In summary, in November and December 2023, Mr H arranged and paid for repair ... (5 pages)View decision -
Decision Reference DRN4519192
4 Feb 2015 NewDay Ltd UpheldBanking and creditMr G complains that a representative of NewDay Ltd was rude to him at the end of a telephone call he made about his Aqua credit card account. He believes the inappropriate language was motivated because of his race and/or religion. Mr G wants substantial compensation for the upset caus... (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 DRN-3909703
19 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3909703 The complaint Mr V complains that NewDay Ltd acted irresponsibly by opening several credit card accounts and increasing his credit limit. What happened Mr V complains about NewDay’s decision to open three credit card accounts and subsequently increase the credit limits on each.... (2 pages)View decision