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 922 results
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Decision Reference DRN5951235
3 Apr 2020 NewDay Ltd UpheldBanking and creditComplaintMr C has complained that NewDay Ltd (“NewDay”) irresponsibly provided him with six different card accounts which it ought to have realised that he couldn’t afford to repay.BackgroundMr C applied for and was provided with six different credit accounts with NewDay between January 20... (3 pages)View decision -
Decision Reference DRN-5349124
20 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5349124 The complaint Mr G complains that NewDay Ltd irresponsibly lent to him. Mr G is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr G himself. What happen... (2 pages)View decision -
Decision Reference DRN-5556534
15 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5556534 The complaint Mrs W complains that NewDay Ltd irresponsibly lent to her. Mrs W is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mrs W herself. What hap... (3 pages)View decision -
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 DRN-2642735
2 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2642735 The complaint Mr M complains that NewDay Ltd (“NewDay”) irresponsibly lent to him across several credit cards which has caused him financial hardship and debts he cannot repay. What happened The background to this complaint is well known to both parties and has been detailed by... (2 pages)View decision -
Decision Reference DRN-3253055
18 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3253055 Complaint Mr M has, amongst other things, complained that NewDay Ltd (“NewDay”) irresponsibly provided unaffordable credit to him on two credit cards. Background Mr M was provided with an Aqua branded credit card, which had an initial credit limit of £250, in October 2014. The... (3 pages)View decision -
Decision Reference DRN-4078949
11 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4078949 The complaint Miss K complains that NewDay Ltd (“NewDay”) irresponsibly granted her a credit card account she couldn’t afford to repay. What happened Miss K entered into agreements with NewDay to have access to credit with two separate credit card accounts. The first was an Aqu... (3 pages)View decision -
Decision Reference DRN-4086960
26 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4086960 The complaint Mr D complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two credit card account facilities that he couldn’t afford. What happened In March 2020, Mr D applied for and was given a credit card account with NewDay with an initial credit limit of £300, under t... (3 pages)View decision -
Decision Reference DRN-3479382
29 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3479382 The complaint Mr R says NewDay Ltd (“NewDay”) irresponsibly lent to him. He has requested that the interest and late payment charges he paid on the account be refunded. What happened This complaint is about a credit card account, trading as Marbles, provided by NewDay to Mr R. ... (3 pages)View decision -
Decision Reference DRN-5264178
15 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5264178 The complaint Mr J complains that NewDay Ltd, trading as Aqua, irresponsibly provided him with a credit card and credit limit increases. Mr J is supported in bringing this complaint by a representative. But, for ease, I’ll refer to any actions or submissions as being those ... (3 pages)View decision
