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 2421 results
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Decision Reference DRN-3368506
4 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3368506 The complaint Miss M complains that NewDay Ltd (“NewDay”) was irresponsible in approving her credit card applications and increasing the credit limits on her accounts. What happened Miss M held five credit card accounts with NewDay, all of which were opened in the period from 2... (3 pages)View decision -
Decision Reference DRN-3211219
12 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3211219 The complaint Miss S is unhappy that NewDay Ltd, trading as Aqua, provided credit to her which she feels was unaffordable for her. What happened In March 2017, Miss S applied for a credit account with NewDay. Her application was accepted, and NewDay issued Miss S with a credit ... (3 pages)View decision -
Decision Reference DRN-3543475
5 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3543475 The complaint Mrs W complains that NewDay Ltd (“NewDay”) irresponsibly granted her three credit card accounts that she couldn’t afford to repay. What happened Mrs W entered into agreements with NewDay to have access to credit with three separate credit card accounts. The first,... (3 pages)View decision -
Decision Reference DRN-5552313
12 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5552313 The complaint Mr K complains that NewDay Ltd irresponsibly lent to him. What happened Mr K was approved for a NewDay branded credit card (which I will refer to as A in this decision), in January 2011 with a credit limit of £500. I have detailed the credit limit changes below... (7 pages)View decision -
Decision Reference DRN-3894369
12 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3894369 The complaint Mrs M complains about NewDay Ltd trading as Amazon Classic Card’s policy regarding refunds to the credit card and these being paid to a bank account upon request. What happened Mrs M says she received two refunds to her NewDay credit card on 17 and 18 May for £112... (3 pages)View decision -
Decision Reference DRN-3280168
2 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3280168 The complaint Miss S is unhappy that NewDay Ltd approved her for a credit account which she feels was unaffordable for her at that time. Miss S is also unhappy with the service she received from NewDay surrounding her exceeding the credit limit on her account by a small amount.... (5 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 DRN9863915
7 Dec 2016 NewDay Ltd UpheldBanking and creditMs R has complained that NewDay Ltd have unfairly closed her credit card account.backgroundMs R took out a credit card with NewDay in 2013. In January 2016 she fell into arrears as she didn’t make all the minimum payments she had to under the agreement.Between Jan... (3 pages)View decision -
Decision Reference DRN-1894640
24 Aug 2020 NewDay Ltd UpheldBanking and PaymentsDRN-1894640The complaintMs S complains that NewDay Ltd shouldn’t have increased the interest rate on her credit card and this has caused her to pay more in interest than she agreed. And she’s complained she’s been unable to reach it when looking for help with the repayments after her circu... (5 pages)View decision -
Decision Reference DRN-4332013
20 Sep 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4332013 The complaint Mr B complains that his wife’s credit card limit with NewDay Ltd was reduced while his remained the same. He advises that he is autistic and further complains that NewDay failed to make reasonable adjustments when communicating with him and closing his account. Wh... (3 pages)View decision
