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 DRN-2826305
18 Jun 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2826305 The complaint Mr C complains about NewDay Ltd (NewDay) because a direct debit was not set up for his credit card. What happened In August 2019, Mr C opened a credit card with NewDay. The first statement for the credit card was produced in September 2019 with a minimum payment a... (2 pages)View decision -
Decision Reference DRN-3404009
29 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3404009 The complaint Mr D complains NewDay Ltd approved his application for two different credit card accounts that were unaffordable and he’s also unhappy with credit limit increases that were later applied to the accounts. What happened Mr D has two credit cards with NewDay – one Aq... (4 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-4044790
12 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4044790 The complaint Mr B, who is represented by a third party, complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him a credit card account he couldn’t afford to repay. What happened Mr B entered into an agreement with NewDay to have access to credit by way ... (3 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 DRN-3795463
23 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3795463 The complaint Miss S complains that NewDay Ltd trading as Marbles (‘NewDay’) irresponsibly gave her a credit card account and a credit limit increase that she couldn’t afford. What happened In February 2017, Miss S applied for a credit card account with NewDay. She was given an... (2 pages)View decision -
Decision Reference DRN-3543475
5 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3543475 The complaint Mrs W complains that NewDay Ltd (“NewDay”) irresponsibly granted her three credit card accounts that she couldn’t afford to repay. What happened Mrs W entered into agreements with NewDay to have access to credit with three separate credit card accounts. The first,... (3 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-3894369
12 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3894369 The complaint Mrs M complains about NewDay Ltd trading as Amazon Classic Card’s policy regarding refunds to the credit card and these being paid to a bank account upon request. What happened Mrs M says she received two refunds to her NewDay credit card on 17 and 18 May for £112... (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