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 2542 results
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Decision Reference DRN-3520668
9 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3520668 The complaint Mr B is unhappy that NewDay Ltd, trading as Aqua, provided him with credit which he feels was unaffordable for him at those times. What happened In April 2017, Mr B applied for a NewDay administered credit account. His application was approved, and NewDay issued M... (4 pages)View decision -
Decision Reference DRN-3452139
8 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3452139 The complaint Miss E complains that NewDay Ltd didn’t authorise a transaction from her credit card. What happened Miss E holds a credit card account with NewDay. In November 2021, Miss E attempted to buy two rings from a luxury department store. She’d travelled some way to vis... (3 pages)View decision -
Decision Reference DRN-3380902
7 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3380902 The complaint Mr G, represented by his wife Mrs G, complained because he was unhappy with the amount of compensation which NewDay Ltd offered following his disputed transaction claim. What happened On 19 October 2020, Mr G contacted NewDay to say he didn’t recognise a £17.97 de... (4 pages)View decision -
Decision Reference DRN-3454718
7 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3454718 The complaint Mr S has complained that NewDay Ltd trading as Marbles irresponsibly lent to him. What happened Mr S opened a credit card account with Marbles in July 2017. His credit limit was initially £450. In January 2018 his credit limit was increased to £1,200. Mr S, throu... (3 pages)View decision -
Decision Reference DRN-3400037
7 Jun 2022 NewDay Ltd Not upheldConsumer CreditDRN-3400037 The complaint Mrs T complains that NewDay Ltd (NewDay) made mistakes when she applied for a second payment holiday on her credit card account, which led to her owing more in arrears than she thought she did. Mrs T also wasn’t aware her loan was on a paydown plan. What happened ... (4 pages)View decision -
Decision Reference DRN-3476260
7 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3476260 The complaint Mr P has complained that NewDay Ltd trading as Aquacard won’t refund him for transactions made on his credit card to a firm that provides derivatives trading recommendations. What happened Mr P says he was offered a subscription to a derivatives trading recommenda... (3 pages)View decision -
Decision Reference DRN-3494300
7 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3494300 The complaint Mr K complains that NewDay Ltd were unreasonable to reject a chargeback claim he made to them. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on giving my reasons for my decision. W... (2 pages)View decision -
Decision Reference DRN-3372455
6 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3372455 The complaint Mrs S complains that NewDay Ltd irresponsibly allowed her to open two credit card accounts and later increased the credit limit on one of them to unaffordable levels. What happened Mrs S says she was in financial difficulties when she opened the first NewDay credi... (4 pages)View decision -
Decision Reference DRN-3517008
6 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3517008 The complaint Mr B complains that NewDay Ltd trading as Aqua lent to him irresponsibly when it provided him with credit limits. What happened I issued my provisional decision about this complaint on 11 May 2022. I provisionally upheld the complaint. Here’s what I said: What hap... (6 pages)View decision -
Decision Reference DRN-3374921
1 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3374921 The complaint Mr G complains that NewDay Ltd (“NewDay”) acted unreasonably in closing his credit card account when he complained to NewDay about its actions in relation to a previous credit card. He wants negative information removed from his credit file. What happened Mr G had... (3 pages)View decision