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-2294387
22 Dec 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2294387 The complaint Mr Z has complained NewDay Ltd, trading as Debenhams Store Card, did little to help after he complained about a payment he’d made under duress for £1,000 whilst overseas. What happened Mr Z was on holiday in April 2019 with family. They hired a couple of jet skis.... (3 pages)View decision -
Decision Reference DRN-2725519
8 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2725519 The complaint Mrs S complains that NewDay Ltd repeatedly increased her credit limit on two credit cards. She says none of that lending was affordable and caused her financial difficulties. What happened Mrs S had two credit cards with NewDay, one opened in 2013 and the other in... (5 pages)View decision -
Decision Reference DRN-2753071
13 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2753071 The complaint Miss M complains that NewDay Ltd irresponsibly allowed her to open two credit card accounts which were unaffordable. What happened Miss M says she opened two NewDay accounts. The first was opened in 2014 and credit limit increases were applied until the account wa... (2 pages)View decision -
Decision Reference DRN-4960083
22 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4960083 Complaint Miss W has complained about credit cards and credit limit increases which NewDay Ltd (“NewDay”) provided to her. She says the credit cards as well as the limit increases were irresponsibly provided. Background NewDay provided Miss W with a total of three credit ca... (6 pages)View decision -
Decision Reference DRN-4673408
20 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4673408 The complaint Mrs B complains about issues she’s experienced with her John Lewis credit card which is administered by NewDay Ltd. What happened Mrs B held a John Lewis credit card account. She’s unhappy because she returned from a cruise to find that she’d received several lett... (3 pages)View decision -
Decision Reference DRN-2040838
22 Jan 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2040838 The complaint Mrs M is unhappy with how NewDay Ltd (trading as Aqua) handled her credit card account when it went into arrears. What happened Mrs M fell into arrears with her Aqua credit card in May 2019. She contacted NewDay at the beginning of May 2019 to explain she’d lost h... (2 pages)View decision -
Decision Reference DRN-3559737
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3559737 The complaint Mrs P complains that NewDay Ltd did not register a default to her credit card account at the correct time. I know that when Mrs P applied for her credit card, it was owned by a different business. To keep things simple, I’ll refer mainly to NewDay in this decision... (4 pages)View decision -
Decision Reference DRN4019632
16 Jun 2016 NewDay Ltd UpheldPayment protection insurance (PPI)Mr P says that NewDay Limited (NewDay) mis-sold him a regular premium payment protection insurance (PPI) policy.backgroundNewDay sold Mr P the PPI for a credit card in 2000. The PPI included accident, sickness and unemployment cover.Our adjudicator thought Mr P’s comp... (3 pages)View decision -
Decision Reference DRN-3079881
4 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3079881 The complaint Mrs N complains that NewDay Ltd irresponsibly increased the credit limit on her credit card account to unaffordable levels. What happened Mrs N says she accepts that NewDay was entitled to allow her to open her credit card account in 2017. She says she was working... (3 pages)View decision -
Decision Reference DRN1069504
25 Feb 2019 NewDay Ltd UpheldBanking and creditMiss T and her representative complain about a letter NewDay Ltd sent her which they say was misleading.backgroundMiss T wanted to start a section 75 Consumer Credit Act claim with NewDay to obtain a refund for some damaged items bought from a retailer. But NewDay re... (2 pages)View decision
