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-3328328
21 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3328328 The complaint Ms D, through a representative, says NewDay Ltd irresponsibly lent to her. What happened Ms D took out four credit cards from NewDay. A summary of her borrowing follows. card taken out initial limit, £ limit increase new limit, £ 1 Nov-17 450 - - 2 Aug-19 450 Mar-... (3 pages)View decision -
Decision Reference DRN-3504864
20 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3504864 The complaint Miss H complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss H was provided with an Aqua credit card with an initial credit limit of £300 and the credit limit was gradually increased to £2,500. She says that NewDay had not been prov... (4 pages)View decision -
Decision Reference DRN-3478139
20 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3478139 The complaint Ms W complains that NewDay Ltd lent to her irresponsibly. What happened In April 2020 Ms W opened a credit card account with NewDay. She had an account limit of £600 which was increased three times over the life of the account to date. A fourth increase was offere... (3 pages)View decision -
Decision Reference DRN-3473549
20 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3473549 The complaint Mr C has complained that NewDay Ltd trading as Marbles and Aqua irresponsibly lent to him. What happened Mr C opened a credit card account with NewDay (trading as Aqua) in October 2015. His credit limit was initially £300. In July 2016 his credit limit was increas... (3 pages)View decision -
Decision Reference DRN-3344722
17 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3344722 The complaint Mr B is unhappy that NewDay Ltd approved him for new and further credit, all of which he feels were unaffordable for him at those times. What happened Mr B applied for a NewDay administered credit account in March 2015. His application was successful, and NewDay p... (4 pages)View decision -
Decision Reference DRN-3447957
17 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3447957 The complaint Mr D says NewDay Ltd restricted the online access to his credit card account. It didn’t lift this when he called to find out why, yet still demanded payment despite him being unable to check his statements. What happened NewDay applied a fraud block to Mr D’s acco... (2 pages)View decision -
Decision Reference DRN-3548748
17 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3548748 The complaint Mr G complains that NewDay Ltd trading as Aqua have irresponsibly lent to him. Mr G 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 Mr G hi... (3 pages)View decision -
Decision Reference DRN-3547212
16 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3547212 The complaint Mrs B complains that NewDay Ltd trading as Aqua (NewDay) lent to her irresponsibly when it gave her a credit card. Mrs B is assisted in this matter by her son. But, for ease, I’ll refer to Mrs B throughout. What happened Mrs B took out an Aqua branded credit card ... (4 pages)View decision -
Decision Reference DRN-3504008
16 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3504008 The complaint Mr D complains that NewDay Ltd trading as Marbles unfairly closed his credit card and recorded a default on his credit file. Mr D also complains that Marbles harassed him for payment. What happened Mr D had a Marbles credit card and in December 2020 entered a paym... (2 pages)View decision -
Decision Reference DRN-3435324
14 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3435324 The complaint Mr W complains that NewDay Ltd trading as Aqua recorded a default on his credit file. What happened Mr W had a credit card account with Aqua. In July 2020, he contacted Aqua and told it about his personal circumstances. He explained the impact they were having on ... (2 pages)View decision