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-3992810
28 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3992810 The complaint Mr B complains that NewDay Ltd, trading as Aqua, irresponsibly provided him with a credit card and a limit increase. What happened Mr B took out an Aqua branded credit card in August 2017. The limit was £600 and was increased to £1,600 in July 2020. In summary, Mr... (4 pages)View decision -
Decision Reference DRN-3955414
24 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3955414 The complaint Mr J complains NewDay Ltd trading as Aqua refused to confirm his APR. He says this caused him to miss out on promotional rates with other credit card providers. What happened The details of this complaint are well known to both parties, so I won’t repeat them agai... (2 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-3974402
20 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3974402 The complaint Mr J complains that NewDay Ltd should not have agreed his credit card applications or increased his credit limit as the lending was both unaffordable and irresponsible. What happened Mr J is represented in this complaint. However, for the sake of simplicity in thi... (4 pages)View decision -
Decision Reference DRN-3909703
19 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3909703 The complaint Mr V complains that NewDay Ltd acted irresponsibly by opening several credit card accounts and increasing his credit limit. What happened Mr V complains about NewDay’s decision to open three credit card accounts and subsequently increase the credit limits on each.... (2 pages)View decision -
Decision Reference DRN-3880191
17 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3880191 The complaint Mr U complains that NewDay Ltd trading as Aqua registered information about him at CIFAS, the national fraud database, and wouldn’t remove it. What happened Mr U explains that he applied for a credit card from NewDay in September 2021. His application was declined... (2 pages)View decision -
Decision Reference DRN-3890297
16 Feb 2023 NewDay Ltd UpheldConsumer CreditDRN-3890297 The complaint Mr D complains about a default recorded on his credit file by NewDay Ltd trading as Aqua. What happened Mr D had a credit card with Aqua that fell into arrears. On 29 September 2017 Aqua sent Mr D a Default Notice that said he had until 21 October 2017 to clear t... (2 pages)View decision -
Decision Reference DRN-3956792
16 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3956792 The complaint Mr G, who complains that NewDay Ltd (“NewDay”), trading as Aquacard, irresponsibly granted him a credit card account he couldn’t afford to repay. What happened Mr G entered into an agreement with NewDay to have access to credit by way of a credit card account. The... (2 pages)View decision -
Decision Reference DRN-3890215
16 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3890215 The complaint Mr A complains NewDay Ltd declined his credit card application. What happened Mr A held a John Lewis branded credit card. The credit was provided by a third party before NewDay took over and as a result a new application was required in order to continue with the ... (2 pages)View decision -
Decision Reference DRN-3953914
14 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3953914 The complaint Mr W says that NewDay Ltd (who I’ll call “NewDay”) were unreasonable not to process a chargeback claim or to progress a claim under section 75 of the Consumer Credit Act (“section 75”) for him. What happened The details of this complaint are well known to both par... (2 pages)View decision