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-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-4003689
23 Mar 2023 NewDay Ltd Not upheldConsumer CreditDRN-4003689 The complaint Mr B complains about how NewDay Ltd (“NewDay”) responded when he asked it to help him claim a refund for goods he ordered. What happened Mr B used finance provided by NewDay Ltd to buy a phone from a third party retailer, a company that I will call “A”. Mr B tells... (4 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 -
Decision Reference DRN2666215
1 May 2015 NewDay Ltd Not upheldBanking and creditMr G complains that his credit agreement with NewDay Ltd was not set up and says he should be refunded the payments he made.backgroundMr G says that a store employee completed a credit application form on his behalf in July 2014. He then completed his transaction in ... (2 pages)View decision -
Decision Reference DRN-3130707
3 Dec 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3130707 The complaint Mr R complains that furniture he purchased using a credit card was misrepresented to him and was of unsatisfactory quality. He says NewDay Ltd (“NewDay”) should therefore have supported his claim. What happened The details of this complaint are well known to both ... (2 pages)View decision -
Decision Reference DRN5740456
9 Jun 2015 NewDay Ltd UpheldBanking and creditMrs T complains that NewDay Ltd credited a payment to her husband’s store account instead of hers.our initial conclusionsThe adjudicator recommended that the complaint should be upheld. He considered that the store should have noticed that Mrs T had given it her husband’s card w... (2 pages)View decision -
Decision Reference DRN8023356
9 Aug 2021 NewDay Ltd Not upheldBanking and creditMr W complains that NewDay Ltd hasn’t reimbursed him for transactions he says are fraudulent. background Over the course of 2018 Mr W raised four fraud claims in relation to payments he didn’t recognise on his Aqua credit card. NewDay replaced his credit card each time and reimbursed him f... (4 pages)View decision -
Decision Reference DRN8019232
15 Sep 2017 NewDay Ltd UpheldPayment protection insurance (PPI)Mr C says he was mis-sold payment protection insurance (PPI) when he took out a Marbles credit card with NewDay Ltd.backgroundIn 2003 Mr C was sold a Marbles credit card by another business (Business A). In February 2009, his account was transferred to a third busines... (2 pages)View decision
