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-2804177
24 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2804177 The complaint Ms M complains that NewDay Ltd irresponsibly allowed her to open two credit card accounts which were unaffordable. What happened Ms M says she opened two NewDay credit card accounts in 2020. She says the lending was unaffordable and NewDay didn’t carry out any che... (2 pages)View decision -
Decision Reference DRN6073927
28 Dec 2016 NewDay Ltd Not upheldBanking and creditMs L complains about the service she received from NewDay Ltd in connection with her credit card account.background Ms L complained to NewDay because she was unhappy with its handling of her request for an increase in her credit limit. And, being unhappy with its res... (2 pages)View decision -
Decision Reference DRN-3932839
8 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3932839 The complaint Mr O complains that NewDay Ltd hasn’t refunded the amount, he paid on his credit card for a faulty item. What happened In May 2021 Mr O used his credit card to order several items on an online marketplace, owned by a business (who I’ll call ... (3 pages)View decision -
Decision Reference DRN-3548748
17 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3548748 The complaint Mr G complains that NewDay Ltd trading as Aqua have irresponsibly lent to him. Mr G is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr G hi... (3 pages)View decision -
Decision Reference DRN-5173143
4 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5173143 The complaint Mr R complains that NewDay Ltd irresponsibly lent him money on a credit card. What happened Mr R applied for a credit card with NewDay in September 2019. NewDay offered him a card with an initial credit limit of £1,200. NewDay subsequently increased the credit ... (3 pages)View decision -
Decision Reference DRN-5044560
10 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5044560 The complaint Mr J complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr J’s complaint is about a credit card supplied by NewDay. The account was opened in July 2021 with an initial credit limit of £1,200. The credit limit was increased to £24... (2 pages)View decision -
Decision Reference DRN8063383
4 Sep 2019 NewDay Ltd Not upheldBanking and creditComplaintMr S complains that NewDay Ltd pursued him for a debt he says he didn’t recognise and then failed to explain what it was for. BackgroundIn May 2017 an application was made in Mr S’s name for an Amazon credit card. The Amazon credit card is issued and administered by NewDay Ltd. A ... (2 pages)View decision -
Decision Reference DRN4432342
16 Feb 2017 NewDay Ltd UpheldBanking and creditMr H complains that NewDay Ltd issued a default notice after it had sold his debt.backgroundThe adjudicator has set out the background to this complaint in some detail and there is no need to repeat it here. In short Mr H fell into financial difficulties in 2011. H... (2 pages)View decision -
Decision Reference DRN2779560
25 Jul 2016 NewDay Cards Ltd Not upheldBanking and creditMs V complains that NewDay Cards Ltd (trading as Topshop) closed her account without warning her, and is pursuing her for arrears.backgroundMs V had a Topshop account card. When she tried to use it in a shop in December 2015, she discovered that it wouldn’t work anymore.... (2 pages)View decision -
Decision Reference DRN5856142
20 May 2015 NewDay Ltd UpheldBanking and creditMiss T complains about the way that NewDay Ltd has handled her account. She wants it to buy back her account and give her compensation.backgroundMiss T has a store card account and set up a direct debit to pay off the minimum amount each month. Her card expired and ... (3 pages)View decision
