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-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 DRN1215549
22 Feb 2016 NewDay Ltd UpheldBanking and creditMr C complains NewDay Ltd has told credit reference agencies his account defaulted in July 2010.backgroundMr C had a credit card account. He fell behind on his monthly payments and received a default notice dated 14 March 2009. At the time he owed just under £10,000... (2 pages)View decision -
Decision Reference DRN-5910238
17 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5910238 The complaint Mrs E complains that NewDay Ltd trading as John Lewis Partnership Card rejected her disputed transaction claim. What happened On 29 August 2023 Mrs E made a payment of £2500 to a training provider using her John Lewis card for a property investing course. On 17... (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-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 DRN-3704837
11 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3704837 The complaint Mrs B complains that NewDay Ltd unfairly declined her claim under the Consumer Credit Act 1974 (“CCA”). What happened In September 2015, Mrs B, along with her husband, bought membership with a holiday club called “E” 1 . The total cost of the membership was £10,50... (6 pages)View decision -
Decision Reference DRN-5100659
3 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5100659 The complaint Mr R complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest, fees and charges refunded along with statutory interest and any adverse information removed from his credit file. Mr R is represented by a third party... (2 pages)View decision -
Decision Reference DRN-4090362
11 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4090362 The complaint Mr A complains that NewDay Ltd trading as Fluid Credit Card won’t refund money he says he didn’t receive from a cash machine. What happened Mr A says he tried to use a cash machine to take out money on 27 June 2022. But that no money was dispensed, and his card w... (3 pages)View decision -
Decision Reference DRN-5380608
10 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5380608 The complaint Mr E complains that NewDay Ltd trading as Aquacard was irresponsible in its lending to him. He wants the interest he has paid on his account refunded. What happened Mr E was provided with an Aqua credit card by NewDay in November 2020. The initial credit limit ... (6 pages)View decision -
Decision Reference DRN-2968482
20 Aug 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2968482 The complaint Mrs A complains that NewDay Ltd didn’t refund payments she disputed on her credit card account and has registered a default. What happened Mrs A contacted NewDay to report a number of payments made using her card in Amsterdam as fraudulent. These came to nearly £2... (4 pages)View decision