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 2527 results
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Decision Reference DRN-3890261
27 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3890261 The complaint Mr S complains about how NewDay Ltd (“NewDay”) responded when he asked it to help him obtain a refund of a fee he paid using his NewDay credit card. What happened Mr S bought airline tickets using a credit card provided by a third party bank I will call “H”. Mr S ... (4 pages)View decision -
Decision Reference DRN-4003689
23 Mar 2023 NewDay Ltd Not upheldConsumer CreditDRN-4003689 The complaint Mr B complains about how NewDay Ltd (“NewDay”) responded when he asked it to help him claim a refund for goods he ordered. What happened Mr B used finance provided by NewDay Ltd to buy a phone from a third party retailer, a company that I will call “A”. Mr B tells... (4 pages)View decision -
Decision Reference DRN-4040014
22 Mar 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4040014 The complaint Mr J is complaining that NewDay Ltd applied missed payments to his credit file. What happened In May 2019 Mr J entered into a credit card agreement with NewDay. In May 2021 he entered into a repayment plan to pay a reduced monthly payment of £30 per month. In Octo... (2 pages)View decision -
Decision Reference DRN-3975704
21 Mar 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3975704 The complaint Mrs B complains that NewDay Ltd irresponsibly gave her two credit card accounts that she couldn’t afford. What happened On 25 August 2019, Mrs B’s Aqua credit card was opened by NewDay Ltd with an initial credit limit of £450. The credit limit was increased to £1,... (4 pages)View decision -
Decision Reference DRN-4019360
21 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4019360 The complaint Ms T says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Ms T applied for a credit card in May 2018. It was approved with a limit of £1,200. Ms T says NewDay should never have lent to her. If it had checked her credit file it would have seen... (2 pages)View decision -
Decision Reference DRN-4029636
17 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4029636 The complaint Mr T complains that NewDay Ltd trading as Aqua (‘Aqua’) has registered a marker against him at CIFAS – the national fraud database. What’s happened? Mr T’s Aqua credit card account was opened in April 2019. In January 2020, Aqua registered a marker against Mr T wi... (2 pages)View decision -
Decision Reference DRN-4023089
14 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4023089 The complaint Mrs J complains that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it offered her a credit facility and later increased her credit limit. What happened NewDay opened a credit card account for Mrs J in December 2020 with a credit limit of £900. Th... (3 pages)View decision -
Decision Reference DRN-3935917
9 Mar 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3935917 The complaint Mr H has complained that NewDay Ltd should have applied defaults to four credit card accounts sooner than it did. What happened Mr H had four credit cards which he stopped making any payments towards between August to October 2021. He thinks that NewDay should hav... (2 pages)View decision -
Decision Reference DRN-3870596
2 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3870596 The complaint Mr D is unhappy NewDay Ltd haven’t refunded two transactions he disputed on his credit card account. What happened In June 2022 two transactions were made using Mr D’s credit card, one online transaction for £178 on 9 June 2022 and one Chip and personal identifica... (2 pages)View decision -
Decision Reference DRN-3996314
1 Mar 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3996314 The complaint Mr A complains about the behaviour of NewDay Ltd trading as Marbles (“Marbles”) in relation to a chargeback and a claim he made under Section 75 of the Consumer Credit Act 1974 (“Section 75”). What happened Mr A used his Marbles credit card to pay for a holiday. S... (4 pages)View decision