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 2113 results
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Decision Reference DRN-4230574
6 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4230574 The complaint Mrs M complains that NewDay Ltd trading as House of Fraser (‘NewDay’) irresponsibly gave her a credit card account and credit limit increases that she couldn’t afford. What happened In May 1993, Mrs M applied for a credit card account with NewDay who were trading ... (3 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-5145518
10 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5145518 The complaint Mr H complains that NewDay Ltd trading as Fluid, unfairly recorded a default against his credit file. He wants the default removed and to be paid additional compensation. What happened Mr H held a credit facility with NewDay and was required to make monthly re... (3 pages)View decision -
Decision Reference DRN-4848203
12 Jun 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4848203 The complaint Mr G complains NewDay Limited has not met its obligations in regard to a transaction he made on his credit card to have an extension and associated works. What happened In November 2022 Mr G used his NewDay credit card to pay £1000 to ... (6 pages)View decision -
Decision Reference DRN-3377086
10 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3377086 The complaint Miss B complains that NewDay Ltd trading as Aqua gave her credit that she couldn’t afford to pay back. What happened Miss B applied for a credit card in May 2017. It was approved with an initial limit of £300. Miss B was given five further credit increases. In Sep... (3 pages)View decision -
Decision Reference DRN-3330637
29 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3330637 The complaint Mrs C says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs C applied for a credit card in September 2018. It was approved with a limit of £450 and she was given five subsequent credit limit increases by NewDay – in January 2019 to £1,700,... (3 pages)View decision -
Decision Reference DRN2811581
6 Mar 2019 NewDay Ltd UpheldPayment protection insurance (PPI)This complaint is about a credit card payment protection insurance (PPI) policy taken out in 1996. Mrs R says NewDay Ltd, trading at the time as People’s Bank (“NewDay”), mis-sold her the PPI.backgroundThe background to this complaint, and my provisional findings, can... (5 pages)View decision -
Decision Reference DRN-3593868
16 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3593868 The complaint Miss P complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her a credit card that she couldn’t afford to repay. What happened Miss P entered into an agreement with NewDay to have access to credit with an Aqua credit card account. The accou... (3 pages)View decision -
Decision Reference DRN-4917788
7 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4917788 The complaint Mr K complains about the information NewDay Ltd (‘NewDay’) gave him about his credit card PayDown Plan. He is unhappy with how NewDay have engaged with him during this time. To put things right Mr K is looking for NewDay to increase the offer of compensation ... (5 pages)View decision -
Decision Reference DRN-3909703
19 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3909703 The complaint Mr V complains that NewDay Ltd acted irresponsibly by opening several credit card accounts and increasing his credit limit. What happened Mr V complains about NewDay’s decision to open three credit card accounts and subsequently increase the credit limits on each.... (2 pages)View decision
