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-4237346
18 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4237346 The complaint Mrs F complains that NewDay Ltd lent to her irresponsibly. What happened In July 2020 Mrs F applied for a Fluid credit card. NewDay approved the application and gave Mrs F a card with an initial credit limit of £900. The credit limit was increased to £1700 in Dece... (2 pages)View decision -
Decision Reference DRN-4299464
23 Oct 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4299464 The complaint Mrs B is unhappy she cannot pay her John Lewis Partnership card with NewDay Ltd (“NewDay”) by cheque. Mrs B is represented in bringing this complaint, but for ease of reading I’ll refer to all submissions as being made by her directly. What happened In October 202... (2 pages)View decision -
Decision Reference DRN0882560
30 Nov 2017 NewDay Ltd Not upheldBanking and creditMr V complains NewDay Ltd unfairly increased the interest rate on his credit card. backgroundNewDay increased Mr V’s credit card interest rate twice. It says this happened after credit risk assessments. Mr V says this is unfair as he’s made all the required payments ... (1 page)View decision -
Decision Reference DRN-4238621
8 Aug 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4238621 The complaint Mr B complains that the interest rate NewDay Ltd (trading as Aqua) charges on his credit card is too high. What happened Mr B has held a credit card with NewDay since April 2019. In April 2022 it told him it had decided to increase the interest rate on his account... (2 pages)View decision -
Decision Reference DRN-4364900
31 Oct 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4364900 The complaint Ms M says NewDay Ltd, trading as Opus, has mis-handled her credit card account. What happened Ms M paid off the balance of her credit card account in April 2018. The following day NewDay received a further payment of £100, leaving her account in credit by £124.60.... (2 pages)View decision -
Decision Reference DRN0246481
21 Jan 2020 NewDay Ltd UpheldBanking and creditMr R complains that NewDay Ltd recorded incorrect information about him on his credit file. He’s also unhappy it hasn’t been able to explain why this error occurred.background In October 2018 Mr R discovered that, in May 2015, NewDay had recorded information about him on his credit file. T... (3 pages)View decision -
Decision Reference DRN-3419175
3 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3419175 The complaint Miss P is unhappy as she feels that NewDay Ltd, trading as Aqua, provided her with credit that wasn’t affordable for her. What happened In April 2019, Miss P applied for a NewDay credit account. Her application was approved, and NewDay issued Miss P with an accoun... (3 pages)View decision -
Decision Reference DRN-3445727
3 Aug 2022 NewDay Ltd Not upheldConsumer CreditDRN-3445727 The complaint Mrs T complains that the interest rate NewDay Ltd charge on her store credit card is too high and her payments are not reducing the balance she owes. What happened Mrs T has held a retail store card since around 2000. While originally provided by a high street ret... (2 pages)View decision -
Decision Reference DRN-2775240
23 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2775240 The complaint Mr S complains about NewDay Ltd (“NewDay”) for credit limit increases which were offered to him on his Aqua and Marbles cards. He believes that these increases were irresponsible as he had substantial other debt and he had high spending on gambling on his cards. H... (4 pages)View decision -
Decision Reference DRN-2766970
12 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2766970 The complaint Mr R complains that NewDay Ltd irresponsibly allowed him to open two credit card accounts that were unaffordable and also increased the credit limit on one of the accounts. What happened Mr R says he opened the first account in July 2017 and three credit limit inc... (3 pages)View decision
