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-3515358
26 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3515358 The complaint Mr M complains that NewDay Ltd, trading as Aqua, lent to him irresponsibly. What happened In January 2018 Mr M opened a credit card account with NewDay. He had an initial account limit of £1,200 which was increased to £2,400 in September 2018. Further increases in... (3 pages)View decision -
Decision Reference DRN-3713804
23 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3713804 The complaint Ms R complains NewDay Ltd (NewDay) increased the credit limit on her credit card account, despite having made them aware of her personal circumstances. What happened Ms R says she held two credit card accounts with NewDay. Ms R says she was struggling financially ... (4 pages)View decision -
Decision Reference DRN-3642272
22 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3642272 The complaint Mr S complains that NewDay Ltd irresponsibly gave him a credit card he couldn’t afford to repay. What happened In September 2015, Mr S applied for a credit card with NewDay. He was given an initial credit limit of £250. The limit was increased to £900 in January 2... (2 pages)View decision -
Decision Reference DRN-3705219
22 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3705219 The complaint Ms P complains that NewDay Ltd irresponsibly provided her with two credit card accounts and subsequently increased the credit limits for both over time. She says had it completed reasonable and proportionate checks it would have identified both the issuing of the ... (8 pages)View decision -
Decision Reference DRN-3550228
22 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3550228 The complaint Mr M complains that NewDay Ltd trading as Marbles Card irresponsibly provided him with a credit card for which he was unable to afford the repayments. What happened Mr M applied for a credit card with NewDay in December 2019. It accepted it and provided him with a... (3 pages)View decision -
Decision Reference DRN-3701623
21 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3701623 The complaint A, who has power of attorney for Mr H, complains that NewDay Ltd didn’t refund transactions he made when was A says Mr H was vulnerable and lacked capacity. What happened A has a power of attorney for Mr H. A complains that NewDay allowed Mr H to make transactions... (3 pages)View decision -
Decision Reference DRN-3501907
21 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3501907 The complaint Mr C has complained that NewDay Ltd irresponsibly lent to him. He says he was provided with credit that he couldn’t afford and he lost out as a result. What happened Mr C opened a credit card account with NewDay in March 2019. His credit limit was initially £250. ... (4 pages)View decision -
Decision Reference DRN-3689799
20 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3689799 The complaint Miss B complains that NewDay Ltd trading as Aqua have irresponsibly lent to her. What happened Miss B was accepted for a NewDay branded credit card in February 2020 with a £900 credit limit. This was later increased to £1,650 in August 2020. She says that NewDay i... (4 pages)View decision -
Decision Reference DRN-3709217
20 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3709217 The complaint Ms M complains that NewDay Ltd trading as Aquacard (‘NewDay’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 4 February 2015 Ms M applied for a credit account with NewDay. She was given an initial credit limit of £100. The ... (4 pages)View decision -
Decision Reference DRN-3552205
16 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3552205 The complaint Mr G has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. He says he was provided with credit that he couldn’t afford and he lost out as a result. What happened Mr G opened a credit card account with NewDay in November 2015. His credit limit w... (4 pages)View decision