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-5623649
13 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5623649 The complaint Ms G is unhappy with how NewDay Ltd (NewDay) handled her payment dispute claim. What happened Ms G booked a 14 night villa stay commencing 16 June 2023 with an agent I shall call ‘M’. This was paid using her NewDay credit card at a total cost of £6,887.50 for t... (8 pages)View decision -
Decision Reference DRN-5513198
9 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5513198 The complaint Mrs A complains that NewDay Ltd trading as Marbles was irresponsible in its lending to her. She wants all interest and charges applied to her credit card account from the first credit limit increase refunded along with statutory interest. She also wants any adv... (4 pages)View decision -
Decision Reference DRN-3282765
3 Feb 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3282765 The complaint Mrs K complains that NewDay Ltd was irresponsible in its lending to her. What happened Mrs K was provided with a credit card by NewDay in 2017. The credit limit was £600. She says that the lending shouldn’t have been provided as at the time she was in a debt manag... (2 pages)View decision -
Decision Reference DRN7706467
13 Dec 2016 NewDay Ltd Not upheldBanking and creditMs S has complained NewDay Ltd won’t allow her to transfer the balance on her closed credit card to an alternative credit card company.backgroundMs S has had a credit card, in the name of A, since 2007. Her account is now owned by NewDay. In 2012 the previous credi... (2 pages)View decision -
Decision Reference DRN-3347198
4 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3347198 The complaint and what happened Ms L complains NewDay Ltd won’t refund the money she lost when she fell victim to a scam. The full details of this complaint are well known to both parties, so I won’t repeat them here. Instead, I’ll summarise the key points and focus on giving m... (3 pages)View decision -
Decision Reference DRN0486320
29 Oct 2015 NewDay Ltd Not upheldBanking and creditMiss A says that a bench she purchased using her NewDay Ltd credit card wasn’t the right size.backgroundMiss A says that the supplier won’t give her a refund. She brought a complaint to NewDay but it didn’t refund her either.Our adjudicator didn’t think that NewDay ... (2 pages)View decision -
Decision Reference DRN-3469121
10 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3469121 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. What happened Mr S took out an Aqua credit card in November 2018. It initially had a credit limit of £1,200. Mr S thinks the initial limit was fair but then the credit limit wa... (3 pages)View decision -
Decision Reference DRN-3476260
7 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3476260 The complaint Mr P has complained that NewDay Ltd trading as Aquacard won’t refund him for transactions made on his credit card to a firm that provides derivatives trading recommendations. What happened Mr P says he was offered a subscription to a derivatives trading recommenda... (3 pages)View decision -
Decision Reference DRN-5757387
19 Aug 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5757387 The complaint Mrs W complains that NewDay Ltd rejected her claim under section 75 Consumer Credit Act 1974 (“s.75”). What happened In August 2024 Mrs W booked a rental holiday cottage at a cost of £1,789.20 using her NewDay credit card. She booked it through a host website w... (3 pages)View decision -
Decision Reference DRN5921370
28 Apr 2015 NewDay Cards Ltd Not upheldBanking and creditMr K complains that NewDay Cards Limited will not refund to him the outstanding amount that he paid to an airline. backgroundMr K used his NewDay credit card in April 2014 to pay £433.95 for a ticket for a flight to another country. He did not use the ticket because ... (2 pages)View decision