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
-
Decision Reference DRN-3692341
16 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3692341 The complaint Mr B complains that NewDay Ltd trading as Aqua failed to administer his account resulting in additional charges being applied to the account which adversely affected his credit score. What happened Mr B explained that Aqua blocked his card after they became suspi... (2 pages)View decision -
Decision Reference DRN-3505535
14 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3505535 The complaint Mr A is unhappy that NewDay Ltd, trading as Aqua, closed his account and reported adverse information to his credit file. What happened In February 2021, Mr A explained to NewDay that he’d been involved in an accident such that he was no longer able to work and wh... (4 pages)View decision -
Decision Reference DRN-3559737
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3559737 The complaint Mrs P complains that NewDay Ltd did not register a default to her credit card account at the correct time. I know that when Mrs P applied for her credit card, it was owned by a different business. To keep things simple, I’ll refer mainly to NewDay in this decision... (4 pages)View decision -
Decision Reference DRN-3319577
14 Sep 2022 NewDay Ltd Not upheldConsumer CreditDRN-3319577 The complaint Miss O complains about the way NewDay Ltd trading as Debenhams (“NewDay”) dealt with refunds to her account and says that there are outstanding refunds which still need to be credited to her. What happened Miss O had a Debenhams store card account which was provid... (3 pages)View decision -
Decision Reference DRN-3701347
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3701347 The complaint Mr M complains that NewDay Ltd have irresponsibly lent to him. Mr M is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr M himself. What happened Mr M ... (5 pages)View decision -
Decision Reference DRN-3621851
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3621851 The complaint Mr B complains that NewDay Ltd (“NewDay”) irresponsibly granted him an Aqua credit card that he couldn’t afford to repay. What happened Mr B entered into an agreement with NewDay to have access to credit with an Aqua credit card account. The account was opened in ... (3 pages)View decision -
Decision Reference DRN-3700216
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3700216 The complaint Ms B complains that NewDay Ltd acted irresponsibly when they agreed to provide her with two credit card accounts and subsequently increased her credit limits. What happened Ms B applied to NewDay for a Marbles Classic branded credit card in March 2016. NewDay asse... (4 pages)View decision -
Decision Reference DRN-3699641
13 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3699641 The complaint Mrs S complains that NewDay Ltd lent to her irresponsibly. She says the lending was unaffordable for her. What happened Mrs S took out a credit card with NewDay, branded as ‘Aqua’, in April 2018. It had an initial credit limit of £450. In September 2018, Mrs S to... (3 pages)View decision -
Decision Reference DRN-3618645
12 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3618645 The complaint Miss K, who is represented by a third party, complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her a credit card that she couldn’t afford to repay. What happened Miss K entered into an agreement with NewDay to have access to credit with ... (3 pages)View decision -
Decision Reference DRN-3626947
9 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3626947 The complaint Mr P complains that NewDay Ltd trading as Aqua rejected his chargeback request. What happened In April 2021 Mr P booked a cottage holiday from a supplier and paid using his Aqua card. The holiday was due to begin on 7 May 2021. After completing the booking, Mr P r... (3 pages)View decision