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-5954125
17 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5954125 The complaint Mr C complains that NewDay Ltd irresponsibly lent to him. What happened Mr C was approved for a NewDay branded credit card in June 2021 (which I will refer to as A in this decision) with a £300 credit limit. Mr C was approved for another NewDay branded credit c... (3 pages)View decision -
Decision Reference DRN-5998969
16 Dec 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5998969 The complaint Mr M complains that NewDay Ltd irresponsibly lent to him. What happened Mr M was approved for a NewDay branded credit card in November 2020 (which I will refer to as A in this decision) with a £300 credit limit. The credit limit on A was increased a further thr... (6 pages)View decision -
Decision Reference DRN4240148
27 Sep 2016 NewDay Ltd UpheldBanking and creditMiss K complains about online access to her account with NewDay Ltd since January 2016. Where this hasn’t been possible, Miss K says she wasn't able to check when her payments were due and she incurred interest and charges due to missed payments. Miss K is also ... (2 pages)View decision -
Decision Reference DRN-4230574
6 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4230574 The complaint Mrs M complains that NewDay Ltd trading as House of Fraser (‘NewDay’) irresponsibly gave her a credit card account and credit limit increases that she couldn’t afford. What happened In May 1993, Mrs M applied for a credit card account with NewDay who were trading ... (3 pages)View decision -
Decision Reference DRN-5621034
13 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5621034 The complaint Mr B complains that NewDay Ltd irresponsibly lent to him. What happened Mr B was approved for an NewDay credit card (which I will refer to as A in this decision), in March 2021 with a credit limit of £450. The credit limit was increased to £1,450 in July 2022. ... (6 pages)View decision -
Decision Reference DRN-5145518
10 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5145518 The complaint Mr H complains that NewDay Ltd trading as Fluid, unfairly recorded a default against his credit file. He wants the default removed and to be paid additional compensation. What happened Mr H held a credit facility with NewDay and was required to make monthly re... (3 pages)View decision -
Decision Reference DRN2811581
6 Mar 2019 NewDay Ltd UpheldPayment protection insurance (PPI)This complaint is about a credit card payment protection insurance (PPI) policy taken out in 1996. Mrs R says NewDay Ltd, trading at the time as People’s Bank (“NewDay”), mis-sold her the PPI.backgroundThe background to this complaint, and my provisional findings, can... (5 pages)View decision -
Decision Reference DRN9336267
10 Mar 2020 NewDay Ltd UpheldBanking and creditMiss N complains that NewDay Ltd gave her incorrect information about three refunded transactions and has miscalculated the amount she owed.backgroundMiss N says she received three refunds for purchases of £3.98, £20 and £78 in around October/November 2018. She says NewDay didn’t credit he... (2 pages)View decision -
Decision Reference DRN-3330637
29 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3330637 The complaint Mrs C says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs C applied for a credit card in September 2018. It was approved with a limit of £450 and she was given five subsequent credit limit increases by NewDay – in January 2019 to £1,700,... (3 pages)View decision -
Decision Reference DRN-3593868
16 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3593868 The complaint Miss P complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her a credit card that she couldn’t afford to repay. What happened Miss P entered into an agreement with NewDay to have access to credit with an Aqua credit card account. The accou... (3 pages)View decision