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 2101 results
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Decision Reference DRN-5169556
17 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5169556 The complaint Mrs H complains that NewDay Ltd shouldn’t have given her a credit card and increased the credit limit on the card. She says it acted irresponsibly and should have done more to check she could afford the account. What happened NewDay provided Mrs H with an Aqua ... (3 pages)View decision -
Decision Reference DRN-3122159
25 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3122159 The complaint Mr G complains that NewDay Ltd (NewDay) lent to him irresponsibly. Mr G is represented by a claims management firm, but I will refer to Mr G as the complainant. What happened Mr G applied for an Aqua credit card from NewDay in June 2014. His limits were increased ... (3 pages)View decision -
Decision Reference DRN3705629
19 Dec 2019 NewDay Ltd UpheldBanking and creditMiss M is unhappy NewDay Ltd have sold her Aqua card debt to a debt collection agencyand added a default to her credit file.backgroundMiss M had an Aqua card ending *8178 with NewDay. But her circumstances changed, as inJuly 2018, she became unemployed. She experienced financial difficulti... (4 pages)View decision -
Decision Reference DRN0589161
13 Dec 2016 NewDay Ltd UpheldPayment protection insurance (PPI)Mr T complains that NewDay Ltd mis-sold him a payment protection insurance (PPI) policy.backgroundMr T took out PPI when he applied by post for a credit card in 2000. He now thinks the policy’s been mis-sold to him and he complained to NewDay. Our adjudicator thought ... (3 pages)View decision -
Decision Reference DRN4425625
8 Jul 2015 NewDay Ltd UpheldPayment protection insurance (PPI)Mr H complains that he was mis-sold a payment protection insurance (PPI) policy when he took out a credit card with NewDay Ltd, trading as People’s Bank of Connecticut. backgroundMr H applied for a credit card in 2000. At the same time he bought PPI to cover his rep... (3 pages)View decision -
Decision Reference DRN5638729
21 Mar 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd acted irresponsibly when they approved his application for a second credit card account. To put things right he wants them to refund him the interest and charges that were applied to the account when he later missed some payments.backgroun... (2 pages)View decision -
Decision Reference DRN4660017
23 Feb 2018 NewDay Ltd UpheldBanking and creditMr M is unhappy because NewDay Ltd didn’t process a balance transfer on his credit card.backgroundMr M held a credit card with NewDay. In May 2017 he arranged a balance transfer with another bank (who I’ll call “Bank A”) so that £700 on the credit card with New... (3 pages)View decision -
Decision Reference DRN-3372455
6 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3372455 The complaint Mrs S complains that NewDay Ltd irresponsibly allowed her to open two credit card accounts and later increased the credit limit on one of them to unaffordable levels. What happened Mrs S says she was in financial difficulties when she opened the first NewDay credi... (4 pages)View decision -
Decision Reference DRN-2731330
7 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2731330 The complaint Miss B complains that NewDay Ltd irresponsibly lent to her. What happened In April 2017, Miss B took out an Aqua credit card with NewDay. At this time she set out she was employed, declared her income and NewDay was able to see her other outstanding debt from a c... (3 pages)View decision -
Decision Reference DRN-3657020
25 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3657020 The complaint Mr H is unhappy with how NewDay Ltd trading as Laura Ashley (NewDay) handled his request for help to recover money following the cancellation of flights. What happened In February 2020 Mr H booked flights for his wife to travel to Spain. He arranged them direct th... (4 pages)View decision
