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 DRN8195787
9 Jul 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd recorded a default on his credit file when he entered into a payment plan.backgroundMr R opened a credit card account with NewDay in October 2014. In August 2017 he contacted NewDay and told it he was experiencing financial hardship. Following this, NewDay se... (2 pages)View decision -
Decision Reference DRN-3607313
16 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3607313 The complaint Mrs H complains that NewDay Ltd (“NewDay”) irresponsibly granted her four credit accounts that she couldn’t afford to repay. What happened Mrs H entered into agreements with NewDay to have access to credit with four separate credit card accounts. The first, a Debe... (4 pages)View decision -
Decision Reference DRN8859937
13 Feb 2015 NewDay Cards Ltd UpheldBanking and creditMs D complains that a mobile phone she bought using her credit card provided by NewDay Cards Ltd (NewDay) was not of satisfactory quality.backgroundMs D bought a new mobile phone in January 2014. As soon as she was connected Ms D said that the reception was poor and she was unable to ... (1 page)View decision -
Decision Reference DRN-3854425
14 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3854425 The complaint Miss B complains that NewDay Ltd irresponsibly gave her a credit card account that she couldn’t afford. What happened In December 2016, Miss B’s credit card was opened by NewDay Ltd with an initial credit limit of £300. This credit limit was never increased. In 20... (2 pages)View decision -
Decision Reference DRN-2642735
2 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2642735 The complaint Mr M complains that NewDay Ltd (“NewDay”) irresponsibly lent to him across several credit cards which has caused him financial hardship and debts he cannot repay. What happened The background to this complaint is well known to both parties and has been detailed by... (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-4186088
21 Sep 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4186088 The complaint Mr K complains that NewDay Ltd lent to him irresponsibly. What happened Mr K applied for a credit card with NewDay in November 2018. He opened the account with a £450 credit limit. Over the course of the agreement the credit limit was increased four times until th... (3 pages)View decision -
Decision Reference DRN-1601093
26 Feb 2020 NewDay Ltd Not upheldConsumer CreditDRN-1601093 The complaintMrs A complains about credit searches carried out on her by NewDay Ltd. What happenedMrs A has been represented in making this complaint by her mother, also Mrs A, who I'll refer to as Mrs A senior. After accessing her credit reference record, Mrs A became awa... (3 pages)View decision -
Decision Reference DRN-5145854
14 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5145854 The complaint Mrs R has complained that NewDay Ltd, trading as Aquacard (“NewDay”), irresponsibly granted her a credit card account, and subsequently increased the credit limit, which she couldn’t afford to repay. What happened Mrs R took out a credit card with NewDay on 30 ... (6 pages)View decision -
Decision Reference DRN-4406385
20 Oct 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4406385 The complaint Mr G is unhappy with the way NewDay Ltd treated him in relation to a chargeback dispute and concerns of fraud. What happened In April 2021, Mr G opened an account with a gambling website. Once Mr G uploaded funds to the account, he was given access to a range of d... (4 pages)View decision
