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-3598788
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3598788 The complaint Mr T complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr T says that NewDay lent to him irresponsibly when it increased the credit limit on the Asda and Aqua credit cards he held. The Asda credit card account was opened in March 2... (3 pages)View decision -
Decision Reference DRN-3694009
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3694009 The complaint Mrs T complains that NewDay Ltd irresponsibly lent to her. Mrs T 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 Mrs T herself. What happened Mrs T a... (4 pages)View decision -
Decision Reference DRN-3521678
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3521678 The complaint Ms P has complained that NewDay Ltd trading as Marbles Card irresponsibly lent to her. What happened Ms P was provided with a Marbles branded credit card, which had an initial credit limit of £450, in May 2019. The credit limit on this account was increased on fiv... (3 pages)View decision -
Decision Reference DRN-3693536
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3693536 The complaint Mr B complains that NewDay Ltd (“NewDay”) irresponsibly granted him a Marbles credit card account that he couldn’t afford to repay. What happened Mr B entered into an agreement with NewDay to have access to credit with an account that was opened for him in October... (3 pages)View decision -
Decision Reference DRN-3653775
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3653775 The complaint Mrs F complains that NewDay Ltd lent irresponsibly when it approved a Debenhams and Fluid credit card in her name. What happened Mrs F had previously held two Aqua credit cards with NewDay. The cards were closed following financial difficulties with Mrs F in 2014... (3 pages)View decision -
Decision Reference DRN-3580141
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3580141 The complaint Mrs M complains that NewDay Ltd trading as Aqua haven’t refunded a payment she made using her credit card. What happened In August 2021, Mrs M says she submitted an application on behalf of her son for a modelling assessment. The studio, who I’ll refer to as “T”, ... (4 pages)View decision -
Decision Reference DRN-3691767
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3691767 The complaint Ms D complains that NewDay Ltd trading as Aqua have irresponsibly lent to her. Ms D is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Ms D he... (4 pages)View decision -
Decision Reference DRN-3687513
8 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3687513 The complaint Ms B complains that NewDay Ltd lent to her irresponsibly. What happened In November 2016, Ms B applied to NewDay for a retailer branded credit card. NewDay approved Ms B’s application and agreed a credit limit of £1,000. In or around August 2017, NewDay increased ... (5 pages)View decision -
Decision Reference DRN-3686912
7 Sep 2022 NewDay Ltd UpheldInsuranceDRN-3686912 The complaint Miss S complained that her credit card payment protection insurance (“PPI”) policy was cancelled in 2019 without her consent, and that NewDay Ltd (“NewDay”) did not comply with her request to reinstate the policy. Miss S also said that because of the cancellation,... (4 pages)View decision -
Decision Reference DRN-3686202
6 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3686202 The complaint Ms S is unhappy that NewDay Ltd provided new and further credit to her on multiple occasions, all instances of which she feels weren’t affordable for her at those times. What happened In March 2017, Ms S successfully applied for a NewDay branded credit account (“B... (8 pages)View decision