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-2877665
17 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2877665 The complaint Mr F says that NewDay Ltd (“NewDay”) should not have increased the credit limit on his credit card on a number of occasions and that this was irresponsible lending and has caused him financial difficulties. He would like a refund for all interest and charges, his ... (6 pages)View decision -
Decision Reference DRN-2309818
3 Nov 2020 Cabot Credit Management Group Limited Not upheldConsumer CreditDRN-2309818 The complaint Mrs W complains about a default marker recorded on her credit file by Cabot Credit Management Group Limited (trading as Cabot Financial (Europe) Limited), and related issues. What happened Mrs W used to have a store card with NewDay. In early 2019 she learned that... (4 pages)View decision -
Decision Reference DRN7613694
13 Dec 2018 NewDay Ltd Not upheldBanking and creditMr B complains that NewDay Ltd was irresponsible in approving his application for a credit card and that it has recorded a default marker on his credit file.backgroundMr B missed a number of payments on his credit card with NewDay. This led to a default marker being ... (3 pages)View decision -
Decision Reference DRN2935752
17 Aug 2015 NewDay Ltd UpheldBanking and creditMr H complains that NewDay Ltd increased the interest rate on his credit card without notification. So he didn’t have a chance to opt out of any interest rate increases. He wants NewDay to pay him compensation for this.backgroundNewDay didn’t uphold Mr H’s complaint, so... (3 pages)View decision -
Decision Reference DRN-4178613
26 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4178613 The complaint Mr P complains that NewDay Ltd trading as NewDay Cards lent to him irresponsibly. What happened In February 2019 Mr P applied for a Debenhams card. NewDay approved the application and gave Mr P a card with an initial credit limit of £500. The credit limit was incr... (3 pages)View decision -
Decision Reference DRN8745537
23 Sep 2015 NewDay Ltd Not upheldBanking and creditMr V says NewDay Ltd (trading as Aqua Card Services) hasn’t done the right thing since he told it that two payments had been made using his credit card which he didn’t recognise.background Mr V took out a new Aqua credit card in December 2013. He used it once but... (3 pages)View decision -
Decision Reference DRN-6077493
30 Jan 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6077493 The complaint Mr S has complained that NewDay Ltd were irresponsible when providing two credit cards. What happened NewDay provided Mr S with two credit cards in March 2022. Initially a card under NewDay’s Pulse brand, with a credit limit of £1,150 and subsequently a card un... (3 pages)View decision -
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-5774232
15 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5774232 The complaint Mr W complains that he doesn’t receive his credit card statements early enough from NewDay Ltd trading as John Lewis Partnership Card. What happened Mr W holds a credit card account with NewDay Ltd. He receives the monthly statements through the post. But he s... (2 pages)View decision -
Decision Reference DRN-4969911
16 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4969911 The complaint Mr R is being represented by a claims manager. He’s complaining about NewDay Ltd because he says it lent irresponsibly by giving him credit cards he couldn’t afford to repay. What happened In February 2020, Mr R opened a Marbles credit card account with an init... (5 pages)View decision