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-3383126
22 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3383126 The complaint Ms H complains that NewDay Ltd didn’t provide a refund when goods that she paid for using her NewDay credit card went missing after delivery. What happened In September 2021 Ms H made an online purchase via a third party that cost about £34. A courier left the goo... (2 pages)View decision -
Decision Reference DRN-3605003
22 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3605003 The complaint Mr L says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr L applied for a credit card in May 2016. It was approved with a limit of £300 and he was given four subsequent credit limit increases by NewDay. The first increase in September 2016... (3 pages)View decision -
Decision Reference DRN-3555455
21 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3555455 The complaint Mr T, who is represented by a third party, complains that NewDay, trading as Aqua (“Aqua”), irresponsibly granted him a credit card account he couldn’t afford to repay. What happened Mr T entered into an agreement with Aqua to have access to credit by way of a cre... (2 pages)View decision -
Decision Reference DRN-3525146
20 Jul 2022 NewDay Ltd UpheldBanking and PaymentsPage 1 of 3The complaint Ms C says NewDay Ltd (‘NewDay’) irresponsibly lent to her. What happened This complaint is about a credit card account NewDay provided. The account was opened in November 2015. Ms C was given an initial credit limit of £450. This limit was increased three times unt... (3 pages)View decision -
Decision Reference DRN-3604803
20 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3604803 The complaint Ms Y complains that NewDay Ltd trading as Marbles Card (‘NewDay’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 1 July 2016, Ms Y applied for a credit account with NewDay. She was given an initial credit limit of £300. The... (3 pages)View decision -
Decision Reference DRN-3602948
19 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3602948 The complaint Ms B complains that NewDay Ltd (“NewDay”) lent irresponsibly when they approved her credit card applications. Ms B is represented by a claims management company (“the CMC”). What happened In September 2016, Ms B applied to NewDay for a credit card. Her application... (4 pages)View decision -
Decision Reference DRN-3579470
15 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3579470 The complaint Mr O complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him a credit card account that he couldn’t afford to repay. What happened Mr O entered into an agreement with NewDay to have access to credit with an account that was opened for him ... (2 pages)View decision -
Decision Reference DRN-3061500
14 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3061500 The complaint Mr L complains about the actions of NewDay Ltd when he was tricked into making payments on his credit card as a result of a scam. What happened In 2015 Mr L came across a merchant I’ll refer to as ‘A’. At A’s request Mr L made fifteen payments from his NewDay cred... (3 pages)View decision -
Decision Reference DRN-3595553
14 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3595553 The complaint Mrs M complains that NewDay Ltd trading as Aqua (“NewDay”) lent irresponsibly when they approved her credit card application and then increased her credit limit on two occasions. Mrs M is represented by a claims management company (“the CMC”). What happened In Jan... (4 pages)View decision -
Decision Reference DRN-3594431
14 Jul 2022 NewDay Ltd Not upheldConsumer CreditDRN-3594431 The complaint Mr A complains that NewDay Ltd trading as Aqua Loans (“NewDay”) reported arrears and late payments on his credit file even though he’d maintained payments under an agreed payment plan. What happened Mr A applied for and was granted a loan with NewDay which was ope... (3 pages)View decision