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 2092 results
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Decision Reference DRN-3052452
16 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3052452 The complaint Mr B complained that NewDay Ltd had opened credit card accounts for him without making proper checks. Mr B said this lending was never affordable for him. What happened Mr B said that NewDay had lent him money he couldn’t afford to pay back. Mr B has now entered ... (5 pages)View decision -
Decision Reference DRN-2800414
17 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2800414 The complaint Ms K complains that NewDay Ltd lent irresponsibly when it approved two credit cards and increased her credit limit. What happened Ms K applied for a credit card (card 1) with NewDay in October 2016 and was given a £500 credit limit. In Ms K’s application, she told... (3 pages)View decision -
Decision Reference DRN-4324154
5 Jan 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4324154 The complaint Mr S is unhappy with how NewDay Ltd (NewDay) handled his chargeback claim following a transaction he disputed. Mr S says NewDay didn’t respond to him and failed to provide any advice after the chargeback process was completed. What happened Mr S had solar panels i... (3 pages)View decision -
Decision Reference DRN-3537180
10 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3537180 The complaint Miss S complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved a credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision.... (3 pages)View decision -
Decision Reference DRN-3682140
26 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3682140 The complaint Ms P complains NewDay Ltd trading as Aqua (NewDay) gave her unaffordable credit limits. What happened Ms P applied for a NewDay credit card, branded as Marbles. NewDay gave Ms P an initial £300 credit limit. Five months later, NewDay increased the credit limit to ... (3 pages)View decision -
Decision Reference DRN-2816299
22 Jun 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2816299 The complaint Mrs A complains that NewDay Ltd set up an arrangement on her account but didn’t take the repayment and later passed her account to a collection business. What happened Mrs A says she was a victim of domestic violence and told NewDay about her difficulties in a tel... (2 pages)View decision -
Decision Reference DRN-4771161
7 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4771161 The complaint Mr L complains that NewDay Ltd trading as Argos Credit approved a credit card instead of the store card he applied for. Mr L also complains that NewDay lent irresponsibly when it approved his credit card application. Mr L also says that despite asking NewDay to ca... (3 pages)View decision -
Decision Reference DRN8429558
19 Dec 2019 NewDay Ltd UpheldBanking and creditComplaintMr J is unhappy with the service he’s received from NewDay Ltd (NewDay). He feels NewDay hasn’t been helpful in getting a deposit back from a car dealer, has been rude to him on the telephone and has blocked a payment on his card unnecessarily.Background Mr J has an Aqua credit ca... (4 pages)View decision -
Decision Reference DRN3091605
12 Nov 2015 NewDay Cards Ltd UpheldBanking and creditMr B is unhappy with the way NewDay Cards Ltd (trading as Aqua) dealt with his application for a credit card and its response to his complaints.backgroundMr B applied online for an Aqua credit card on 20 April 2015. On 22 April, Mr B contacted NewDay to check the progres... (2 pages)View decision -
Decision Reference DRN6497810
2 Nov 2017 NewDay Ltd Not upheldBanking and creditMr M complained that NewDay Ltd had put up the limit and the interest rate on his credit card, when it should’ve known he couldn’t afford it.backgroundMr M said that NewDay repeatedly raised the credit limit on his account, although he wasn’t managing the account ... (2 pages)View decision
