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 DRN9331425
31 Jan 2019 NewDay Ltd UpheldBanking and creditMrs W complains that NewDay Ltd acted irresponsibly in giving her a credit card and then increasing its limit twice within nine months.background I issued my provisional decision on this case on 20 December 2018. A copy of it is attached and it forms part of this fin... (5 pages)View decision -
Decision Reference DRN-3975704
21 Mar 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3975704 The complaint Mrs B complains that NewDay Ltd irresponsibly gave her two credit card accounts that she couldn’t afford. What happened On 25 August 2019, Mrs B’s Aqua credit card was opened by NewDay Ltd with an initial credit limit of £450. The credit limit was increased to £1,... (4 pages)View decision -
Decision Reference DRN6887701
12 Feb 2020 NewDay Ltd UpheldBanking and creditMr W is unhappy that NewDay Ltd has refused to provide him with a refund through Section 75 or via the chargeback scheme. He also complains that NewDay has negatively impacted his credit file.backgroundIn June 2018 Mr W purchased a car engine for £3400 using a credit card supplied by NewDa... (2 pages)View decision -
Decision Reference DRN-3841017
5 Dec 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3841017 The complaint Mr S complains that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it increased his credit limit. What happened NewDay opened a credit card account for Mr S in April 2020 with a credit limit of £450. This type of credit was an open-ended or runnin... (4 pages)View decision -
Decision Reference DRN0813931
23 Mar 2021 NewDay Ltd Not upheldBanking and creditMr C complains that NewDay Ltd lent to him in an irresponsible manner when it approved his application for a credit card in May 2014, and then increased his credit limit four months later. background The background to this complaint was set out in the provisional decision I issued in Febru... (4 pages)View decision -
Decision Reference DRN0195308
6 Nov 2019 NewDay Ltd UpheldBanking and creditMrs H has complained NewDay Ltd dealt with her fraud case poorly.backgroundIn November 2017 Mrs H applied for a Debenhams card from NewDay. She was then away for a bit and when she got back, hadn’t received her card nor PIN from them. She phoned to ask where these were. She was kept on the... (3 pages)View decision -
Decision Reference DRN-5098265
2 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5098265 Complaint Mr A has complained about credit cards and the associated credit limit increases which NewDay Ltd (“NewDay”) provided to him. He says the credit cards as well as the limit increases were irresponsibly provided. Background NewDay provided Mr A with two credit cards... (6 pages)View decision -
Decision Reference DRN-4838041
10 Jun 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4838041 The complaint Mr M complains that NewDay Ltd acted irresponsibly in lending him two credit cards. What happened Mr M took out a credit card with NewDay under its Aqua brand in June 2021, with a credit limit of £600. In November 2022, Mr M took out a further credit card with New... (4 pages)View decision -
Decision Reference DRN-1202205
19 Dec 2019 NewDay Ltd Not upheldBanking and PaymentsDRN-1202205The complaintMr S complains about NewDay Ltd reducing the credit limit on his credit card and not explaining the reasons why. What happenedMr S has held a credit card with NewDay for several years. And in March this year NewDay wrote to him explaining his credit limit would be d... (3 pages)View decision -
Decision Reference DRN-3065610
29 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3065610 The complaint Mr M complains that he was given misleading information by NewDay Ltd. What happened Mr M says NewDay agreed a six-month payment plan with him and said he needed to make a payment by 25 July 2019. He says he did so and made the required six payments but NewDay tol... (2 pages)View decision
