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 793 results
-
Decision Reference DRN-3517008
6 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3517008 The complaint Mr B complains that NewDay Ltd trading as Aqua lent to him irresponsibly when it provided him with credit limits. What happened I issued my provisional decision about this complaint on 11 May 2022. I provisionally upheld the complaint. Here’s what I said: What hap... (6 pages)View decision -
Decision Reference DRN-4860977
1 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4860977 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest and charges applied to his accounts refunded along with compensatory interest and any adverse information removed from his credit file. Mr S is represe... (4 pages)View decision -
Decision Reference DRN-3687513
8 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3687513 The complaint Ms B complains that NewDay Ltd lent to her irresponsibly. What happened In November 2016, Ms B applied to NewDay for a retailer branded credit card. NewDay approved Ms B’s application and agreed a credit limit of £1,000. In or around August 2017, NewDay increased ... (5 pages)View decision -
Decision Reference DRN-3974335
20 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3974335 The complaint Mrs F complains that NewDay Ltd shouldn't have accepted her credit card applications and increased the credit limit on her credit card accounts as the lending was both unaffordable and irresponsible. What happened Mrs F is represented in this complaint. Howev... (5 pages)View decision -
Decision Reference DRN-5337285
11 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5337285 The complaint Miss L complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss L applied for a credit card with Aqua in August 2021. In her application, Miss L said she ... (4 pages)View decision -
Decision Reference DRN-3454146
26 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3454146 The complaint Miss D complains that NewDay Ltd, trading as Aqua, should not have agreed her credit card application or increased her credit limit as the lending was both unaffordable and irresponsible. What happened Miss D is represented in this complaint. However, for the sake... (5 pages)View decision -
Decision Reference DRN-4529638
15 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4529638 The complaint Mrs B has a credit card provided by NewDay (“NewDay”), trading as John Lewis Partnership Card. She is complaining about the 15 day interest free period that New Day provides for payment of sums due before interest is charged. She says this is unreasonably short. W... (2 pages)View decision -
Decision Reference DRN4834022
1 Nov 2017 NewDay Ltd UpheldBanking and creditMr C complains that NewDay Ltd was irresponsible when it raised the credit limit on his credit card account.backgroundMr C said that NewDay raised the credit limit on his card three times. He said that it should’ve been obvious from how he was managing the card at tho... (2 pages)View decision -
Decision Reference DRN-4127073
12 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4127073 The complaint Mr C complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit on several occasions. What happened The background to this complaint and my initial conclusions were set out in my p... (4 pages)View decision -
Decision Reference DRN-5117397
15 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5117397 The complaint Mr H complains that NewDay Ltd trading as Fluid Credit Card (NewDay) didn’t check his financial circumstances before they agreed to lend to him. What happened In August 2021 Mr H applied for a credit card with NewDay. They agreed his application and provided h... (2 pages)View decision
