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 DRN0131777
3 Oct 2014 NewDay Ltd Not upheldPayment protection insurance (PPI)Mr A’s complaint is about the compensation offered to him by NewDay Ltd (NewDay) in respect of a mis-sold payment protection insurance (PPI) policy.background In 2012 Mr A complained to NewDay about the sale of a PPI policy. The policy was sold to him in connection with a credit card.... (2 pages)View decision -
Decision Reference DRN-4446135
25 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4446135 The complaint Mr S complains NewDay Ltd reduced the credit limit on his credit card from £4,500 to £1,100 without notice. What happened Mr S received an email on 14 June 2023 to tell him his credit limit would be reducing. He says he called them up, as although he knew they cou... (2 pages)View decision -
Decision Reference DRN9364958
3 May 2018 NewDay Ltd Not upheldBanking and creditMs M complains about an increase to her credit card account limit made by NewDay Ltd.backgroundMs M has a store branded credit card with NewDay. She said that she’s unhappy that NewDay has increased her credit limit from £500 to £650. She said she’s always declin... (2 pages)View decision -
Decision Reference DRN4476532
28 Feb 2020 NewDay Ltd Not upheldBanking and creditMr S complains NewDay Ltd (trading as Aqua and Marbles) was irresponsible when it increased the credit limit on his credit card accounts which were unaffordable.backgroundMr S said he’d recently experienced some financial distress and was unable to make full payments on the accounts. He sa... (2 pages)View decision -
Decision Reference DRN4606777
28 Sep 2018 NewDay Ltd Not upheldBanking and creditMiss C complains that NewDay Ltd (“NewDay”) gave every indication that her application for a store card would be eligible for a buy now pay later account. She’s disappointed that this wasn’t approved and that NewDay have subsequently said they don’t do buy now pay... (2 pages)View decision -
Decision Reference DRN-4294332
4 Dec 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4294332 The complaint Mr G complains that he is required to provide a one time passcode (OTP) when shopping online using his credit card held with NewDay Ltd. What happened Mr G complains that he is unbale to use his NewDay credit card for online purchases because he lives in a remote ... (2 pages)View decision -
Decision Reference DRN-1399964
5 Mar 2020 NewDay Ltd UpheldBanking and PaymentsDRN-1399964 The complaint Mr L complains about a default that was recorded on his credit file by NewDay Ltd (“NewDay”). What happenedMr L held a credit card account with NewDay. In July 2017 the account fell into arrears and NewDay sent a default notice soon after. That default notice stat... (3 pages)View decision -
Decision Reference DRN8027793
28 Sep 2018 NewDay Ltd UpheldBanking and creditMr C complains that it was irresponsible for NewDay Ltd (NewDay) to give him a credit card and then regularly increase his limit without checking he could afford it. backgroundMr C opened a credit card account with NewDay in late 2013, and was given a credit lim... (3 pages)View decision -
Decision Reference DRN-4510384
20 Feb 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4510384 The complaint Mr G complains about NewDay Ltd, trading as Aqua, increasing the interest rate on his credit card shortly after they increased the credit limit on his account. What happened In April 2023, Mr G and NewDay agreed a higher credit card limit. In July 2023, NewDay inf... (3 pages)View decision -
Decision Reference DRN8651908
4 Jan 2017 NewDay Ltd UpheldPayment protection insurance (PPI)Ms W says NewDay Ltd (NewDay) mis-sold her a regular premium payment protection insurance (PPI) policy to cover her credit card repayments.backgroundMs W took out a credit card in 2004. At the same time she took out a PPI policy to cover her card repayments. The pol... (3 pages)View decision
