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 2568 results
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Decision Reference DRN1698890
30 Jul 2015 NewDay Cards Ltd Not upheldBanking and creditMr W complains that NewDay Cards Limited declined his application for a credit card. He wants to know why he was turned down and an apology.backgroundMr W was invited to apply for a credit card by a store in which he was shopping. When the application was completed, ... (2 pages)View decision -
Decision Reference DRN8591057
12 Nov 2019 NewDay Ltd UpheldBanking and creditMr C complains that NewDay Ltd registered a default on his credit file without him knowing and he’d like it removed. He says he didn’t receive any letters about this and he also thinks the date of the default is wrong.backgroundThe background to this complaint and my initial findings on it... (5 pages)View decision -
Decision Reference DRN-4086960
26 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4086960 The complaint Mr D complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two credit card account facilities that he couldn’t afford. What happened In March 2020, Mr D applied for and was given a credit card account with NewDay with an initial credit limit of £300, under t... (3 pages)View decision -
Decision Reference DRN6275227
22 Oct 2019 NewDay Ltd Not upheldBanking and creditMr B complains about the service he has received from NewDay Ltd and the action it took when he was unable to access his Aqua credit card account on-line. background Mr B says he was locked out from NewDay’s credit card on-line system so he couldn’t verify the balance and transactions on h... (4 pages)View decision -
Decision Reference DRN-4491839
8 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4491839 The complaint Mr M says NewDay Ltd, trading as BIP, incorrectly allowed gambling-related transactions to be made on his credit card account. He says NewDay’s actions caused him avoidable financial loss. What happened In February 2023, Mr M told NewDay he had a gambling addictio... (2 pages)View decision -
Decision Reference DRN9473510
5 Aug 2016 NewDay Ltd UpheldBanking and creditMr P complains that NewDay Limited won’t refund to him the money that he paid for some car repairs. His complaint is made against NewDay under section 75 of the Consumer Credit Act 1974. background Mr P’s car had a blown head gasket in April 2015 which was repaired ... (3 pages)View decision -
Decision Reference DRN7169931
27 Jul 2018 NewDay Ltd Not upheldBanking and creditMr W complains NewDay Ltd has treated him unfairly by applying a default marker on his credit file after he says he did everything that was expected of him to settle the outstanding account. backgroundAs Mr W was experiencing some financial difficulties he approach... (3 pages)View decision -
Decision Reference DRN-5862363
6 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5862363 The complaint Mr M complains that NewDay Ltd (trading as Pulse) did not allow him to pay off his credit card with a balance transfer. What happened Mr M says NewDay has closed his account and so he is unable to carry out a balance transfer to another card with 0% interest. ... (2 pages)View decision -
Decision Reference DRN-3895586
1 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3895586 The complaint Mr S says NewDay Ltd irresponsibly lent to him. What happened This complaint is about two credit card accounts NewDay Ltd provided. The Marbles account was opened in July 2018. Mr S was given an initial credit limit of £1,200. This limit was increased four times u... (3 pages)View decision -
Decision Reference DRN-3253055
18 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3253055 Complaint Mr M has, amongst other things, complained that NewDay Ltd (“NewDay”) irresponsibly provided unaffordable credit to him on two credit cards. Background Mr M was provided with an Aqua branded credit card, which had an initial credit limit of £250, in October 2014. The... (3 pages)View decision