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 2113 results
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Decision Reference DRN-3818453
21 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3818453 The complaint Miss G complains that NewDay Ltd irresponsibly allowed her to open a credit card account which was unaffordable. What happened Miss G says the NewDay credit card account was opened in 2017 and at the time she was in financial difficulties and debt. She says she co... (2 pages)View decision -
Decision Reference DRN7480506
6 Jun 2019 NewDay Ltd UpheldBanking and creditMrs N complains that NewDay Ltd irresponsibly lent to her in allowing her a credit card when she was struggling with other debts. She would like them to refund all interest and charges and remove any negative information from her credit file. backgroundIn September 2015, Mrs D applied for ... (3 pages)View decision -
Decision Reference DRN-4455430
16 Nov 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4455430 The complaint Ms G complains about the service she received from NewDay Ltd trading as John Lewis Credit Card (“NewDay”) when she applied for a credit card. What happened Ms G had a John Lewis credit card account which she had held for a number of years. In October 2022, John L... (4 pages)View decision -
Decision Reference DRN4671304
17 Sep 2014 NewDay Ltd Not upheldBanking and creditMr F complains that NewDay Ltd withdrew a credit facility on his store card. backgroundMr F took out a store card with the predecessor of NewDay in 1996. The card was due to expire in July 2013. NewDay wrote to Mr F in June 2013 to tell him that it had taken a decision not to renew hi... (2 pages)View decision -
Decision Reference DRN8197104
26 Nov 2014 NewDay Ltd Not upheldBanking and creditMs G has complained about the limitations NewDay Ltd has placed on using her store card account – both in blocking her account and only using telephone or letters to communicate with her.backgroundMs G has had one specific store card account since 1997. This is now managed by NewDay. As ... (2 pages)View decision -
Decision Reference DRN-2324110
7 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2324110 The complaint Miss R complains that lending made to her by NewDay Ltd was irresponsible. What happened Miss R had three credit cards with NewDay. She wanted us to look at all the lending that NewDay had made to her. Miss R applied for the first card in September 2017, a card ca... (4 pages)View decision -
Decision Reference DRN-2836482
2 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2836482 The complaint Mr B complains that NewDay Ltd, trading as Aqua, lent to him irresponsibly by giving him a credit card and later increasing the limit of what he could borrow using the card. What happened Mr B took out a credit card with NewDay in May 2016. The initial credit limi... (4 pages)View decision -
Decision Reference DRN-2886687
8 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2886687 The complaint Mrs M complains that NewDay Ltd lent irresponsibly when it approved two credit cards and a loan in her name. Mrs M also complains that NewDay increased her credit limit. What happened In August 2017 Mrs M applied for a credit card with Marble. In the application, ... (3 pages)View decision -
Decision Reference DRN-3522874
30 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3522874 The complaint Mr D complains that NewDay Ltd (NewDay) marked his credit file. What happened Mr D had a marbles credit card from NewDay. The statement dated 22 March 2020 had a balance of £2,774.80 and the limit was £2,800. The minimum payment of £107.21 was due to be paid by 16... (3 pages)View decision -
Decision Reference DRN-4630311
27 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4630311 The complaint Mr T complains about the way in which NewDay Ltd communicate credit limit decreases. He feels that their communication is misleading and deceptive. Mr T isn’t disputing the credit limit decreases themselves but feels that the wording of NewDay’s letters implies th... (2 pages)View decision
