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 803 results
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Decision Reference DRN-2879741
23 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2879741 The complaint Mrs K complains that NewDay Ltd trading as Aqua irresponsibly allowed her to open a credit card account and later increased her credit limit which were both unaffordable. What happened Mrs K says she was in financial difficulties when the credit card account was o... (2 pages)View decision -
Decision Reference DRN-3452139
8 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3452139 The complaint Miss E complains that NewDay Ltd didn’t authorise a transaction from her credit card. What happened Miss E holds a credit card account with NewDay. In November 2021, Miss E attempted to buy two rings from a luxury department store. She’d travelled some way to vis... (3 pages)View decision -
Decision Reference DRN7826260
10 Jan 2019 NewDay Ltd Not upheldBanking and creditMr K complains that NewDay Ltd was irresponsible in letting him have a credit card. backgroundMr K applied for a credit card in October 2013 and it was granted with a £250 limit. His application form showed he was employed earning £21,800 and he had other income of ... (2 pages)View decision -
Decision Reference DRN4107809
15 Feb 2018 NewDay Ltd UpheldBanking and creditMr W complains that it was irresponsible for NewDay Limited to give him a credit card and then to increase his credit limit.backgroundMr W opened a credit card account with NewDay in 2014. Later that year he entered into a debt management plan and NewDay sold his acco... (2 pages)View decision -
Decision Reference DRN-4818453
24 Jun 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4818453 The complaint Mr G complains that NewDay Ltd shouldn’t have lent to him because it ought reasonably to have realised that he might struggle to repay the debt. What happened NewDay approved a credit card for Mr G with a £900 credit limit in May 2017. They increased that limit on... (3 pages)View decision -
Decision Reference DRN-2725549
26 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2725549 The complaint Mr F complains that NewDay Ltd (trading as Amazon) lent to him irresponsibly in providing a credit card. What happened Mr F applied for an Amazon credit card. The application was approved, and an account opened in May 2017, with a credit limit of £500. In April 2... (2 pages)View decision -
Decision Reference DRN5469319
23 Jul 2019 NewDay Ltd UpheldBanking and creditMiss M complains that NewDay Ltd (“ND”) trading as Aqua engaged in irresponsible lending to her.backgroundMiss M says in June 2014 she received her credit card from ND with a credit limit of £250. And she says the credit limit was increased to £550 in November 2014, £1,250 in May 2015, £2,... (5 pages)View decision -
Decision Reference DRN-5073824
24 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5073824 The complaint Miss B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened Miss B applied for a credit card with Aqua in May 2020. In her application, Miss B said she... (3 pages)View decision -
Decision Reference DRN-5047343
18 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5047343 The complaint Mr B, who is represented by a professional representative (“PR”) complains that NewDay Ltd was irresponsible when it increased the limit on his credit card account. What happened Mr B took out a credit card with NewDay in September 2016 and was granted the foll... (3 pages)View decision -
Decision Reference DRN-4257621
20 Jul 2023 NewDay Ltd Not upheldConsumer CreditDRN-4257621 The complaint Mr D complains he was irresponsibly provided with unaffordable credit card accounts and credit limit increases by NewDay Ltd. What happened Mr D was provided with two credit card accounts from NewDay under the brands Marbles and Argos. The below table provides the... (5 pages)View decision
