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-3803721
28 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3803721 The complaint Ms C says NewDay Ltd, trading as Fluid, irresponsibly lent to her. What happened Ms C opened a Fluid card in November 2019. It had a £300 credit limit. She says that was affordable for her at the time but as her circumstances changed NewDay should not have increas... (2 pages)View decision -
Decision Reference DRN8425235
17 May 2019 NewDay Ltd UpheldBanking and creditMr L complains that it took NewDay Ltd (“NewDay”) too long to process his claim under section 75 Consumer Credit Act (“section 75”).backgroundMr L bought a mobile phone in November 2017. He paid for it with a credit card provided by NewDay. But the phone took to long ... (3 pages)View decision -
Decision Reference DRN-4772064
2 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4772064 The complaint Miss N complains that NewDay Ltd passed her account to a collection agency after she notified it of financial difficulties. What happened Miss N held an account with NewDay. On 12 April 2023 Miss N requested breathing space and to set up a payment plan on her acco... (4 pages)View decision -
Decision Reference DRN-4500057
13 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4500057 The complaint Mr H complains about NewDay Ltd’s handling of his credit card account. What happened Mr H had a House of Fraser (HoF) credit card issued in partnership with NewDay. In August 2022, NewDay wrote to Mr H to explain the partnership was ending and from November 202... (3 pages)View decision -
Decision Reference DRN-5364975
24 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5364975 The complaint Miss T complains that NewDay Ltd trading as Debenhams Mastercard terminated her account and recorded a default on her credit file. What happened Miss T held a Debenhams credit card with NewDay. On 24 May 2023 Miss T made a purchase using the card for £8.99. New... (3 pages)View decision -
Decision Reference DRN9375315
13 Mar 2019 NewDay Ltd Not upheldBanking and creditMr S complains that NewDay Ltd lent irresponsibly when it approved a credit card in 2015. Mr S also complains that he didn’t know a default had been applied in 2016. backgroundMr S applied for a NewDay credit card in 2015 and it was approved. In August 2016 Mr S m... (2 pages)View decision -
Decision Reference DRN-3059204
21 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3059204 The complaint Mr J is unhappy that NewDay Ltd approved him for several lines of credit which weren’t affordable for him at that time. Mr J is also unhappy that NewDay subsequently increased the credit limit on two of his credit lines on several occasions, all of which he feels ... (7 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 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 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
