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-3974402
20 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3974402 The complaint Mr J complains that NewDay Ltd should not have agreed his credit card applications or increased his credit limit as the lending was both unaffordable and irresponsible. What happened Mr J is represented in this complaint. However, for the sake of simplicity in thi... (4 pages)View decision -
Decision Reference DRN-2904238
12 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2904238 The complaint Mr D complains that NewDay Ltd wouldn’t refund a payment he didn’t make from his card account. What happened Mr D’s card account was in credit and a payment of £546.36 out was made to a bank account. Mr D said he didn’t authorise this and that he had been the vict... (2 pages)View decision -
Decision Reference DRN-4163080
31 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4163080 The complaint Mrs J says NewDay Limited has treated her unfairly in relation to a transaction on her credit card which paid for a package holiday. What happened In October 2021 Mrs J used her NewDay credit card to pay for a package holiday for her family which was due to take p... (4 pages)View decision -
Decision Reference DRN-4295289
3 Jan 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4295289 The complaint Mr B complains NewDay Ltd won’t allow him to move a payment he made on one credit card to another credit card. What happened Mr B has two credit cards with NewDay – one under their Marbles brand, and another under their Aqua brand. Mr B made a payment of £1,000 on... (3 pages)View decision -
Decision Reference DRN5258136
28 May 2015 NewDay Ltd UpheldPayment protection insurance (PPI)Mrs R says that NewDay Limited (NewDay) mis-sold her a regular premium payment protection insurance (PPI) policy with a credit card.backgroundNewDay sold Mrs R the PPI with a credit card she took in 2000. The PPI included accident, sickness and unemployment cover and c... (2 pages)View decision -
Decision Reference DRN-4860977
1 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4860977 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest and charges applied to his accounts refunded along with compensatory interest and any adverse information removed from his credit file. Mr S is represe... (4 pages)View decision -
Decision Reference DRN8458403
24 May 2019 NewDay Ltd UpheldPayment protection insurance (PPI)This complaint is about a payment protection insurance (PPI) policy taken out with a credit card in 1997. Mr J says NewDay Ltd mis-sold him the PPI.my findingsI’ve considered all the available evidence and arguments to decide what is fair and reasonable in the circ... (2 pages)View decision -
Decision Reference DRN-4719662
8 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4719662 The complaint Miss M complains that the credit card she had from NewDay Ltd was unaffordable to her. What happened Miss M was approved for a NewDay credit card in December 2019, and then a credit limit increase as follows: Date Credit Limit 18 Dec 2019 £500 6 Oct 2020 £1,250 Mi... (3 pages)View decision -
Decision Reference DRN-4142791
5 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4142791 The complaint Mr K complains that NewDay Ltd lent to him irresponsibly. What happened In December 2019 Mr K applied for an Argos card. NewDay approved the application and gave Mr K a card with an initial credit limit of £500 The credit limit was increased to £500 in December 20... (3 pages)View decision -
Decision Reference DRN0249301
24 Apr 2015 NewDay Ltd UpheldBanking and creditMr B complains that Newday Ltd ignored his correspondence and phone calls about a fixed sum loan agreement.backgroundMr B thought the loan agreement was in joint names. Around two years after the loan had been agreed, he asked Newday to transfer it into the sole nam... (2 pages)View decision
