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 2101 results
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Decision Reference DRN-5169556
17 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5169556 The complaint Mrs H complains that NewDay Ltd shouldn’t have given her a credit card and increased the credit limit on the card. She says it acted irresponsibly and should have done more to check she could afford the account. What happened NewDay provided Mrs H with an Aqua ... (3 pages)View decision -
Decision Reference DRN-5303170
27 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5303170 The complaint Mr C complains NewDay Ltd trading as Aqua (“NewDay”) lent to him irresponsibly. Mr C’s complaint has been brought to our service via a representative, but for ease of reference I’ll refer to him throughout. What happened In April 2016 Mr C applied for a credi... (3 pages)View decision -
Decision Reference DRN0589161
13 Dec 2016 NewDay Ltd UpheldPayment protection insurance (PPI)Mr T complains that NewDay Ltd mis-sold him a payment protection insurance (PPI) policy.backgroundMr T took out PPI when he applied by post for a credit card in 2000. He now thinks the policy’s been mis-sold to him and he complained to NewDay. Our adjudicator thought ... (3 pages)View decision -
Decision Reference DRN-3803721
28 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3803721 The complaint Ms C says NewDay Ltd, trading as Fluid, irresponsibly lent to her. What happened Ms C opened a Fluid card in November 2019. It had a £300 credit limit. She says that was affordable for her at the time but as her circumstances changed NewDay should not have increas... (2 pages)View decision -
Decision Reference DRN8425235
17 May 2019 NewDay Ltd UpheldBanking and creditMr L complains that it took NewDay Ltd (“NewDay”) too long to process his claim under section 75 Consumer Credit Act (“section 75”).backgroundMr L bought a mobile phone in November 2017. He paid for it with a credit card provided by NewDay. But the phone took to long ... (3 pages)View decision -
Decision Reference DRN-3574816
30 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3574816 The complaint Mr R complains that NewDay Ltd (“NewDay”), trading as Marbles, irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr R in April 2016. They initially provided a credit limit of £900 but the... (2 pages)View decision -
Decision Reference DRN4425625
8 Jul 2015 NewDay Ltd UpheldPayment protection insurance (PPI)Mr H complains that he was mis-sold a payment protection insurance (PPI) policy when he took out a credit card with NewDay Ltd, trading as People’s Bank of Connecticut. backgroundMr H applied for a credit card in 2000. At the same time he bought PPI to cover his rep... (3 pages)View decision -
Decision Reference DRN5638729
21 Mar 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd acted irresponsibly when they approved his application for a second credit card account. To put things right he wants them to refund him the interest and charges that were applied to the account when he later missed some payments.backgroun... (2 pages)View decision -
Decision Reference DRN-4254037
21 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4254037 The complaint Ms B complains NewDay Ltd (NewDay) defaulted her credit card account without her knowledge. What happened Ms B says she took out a credit card account in early 2018, with an online retailer she had held a relationship with for some time, as a back-up facility for ... (3 pages)View decision -
Decision Reference DRN4660017
23 Feb 2018 NewDay Ltd UpheldBanking and creditMr M is unhappy because NewDay Ltd didn’t process a balance transfer on his credit card.backgroundMr M held a credit card with NewDay. In May 2017 he arranged a balance transfer with another bank (who I’ll call “Bank A”) so that £700 on the credit card with New... (3 pages)View decision
