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-3280872
1 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3280872 The complaint Mr W complains that NewDay Ltd (trading as Aqua) has refused to refund payments he made to what he believed was a legitimate investments trading company (Elcurrency). These payments were made using Mr W’s NewDay Mastercard credit card. What happened The circumstan... (4 pages)View decision -
Decision Reference DRN-3502235
27 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3502235 The complaint Ms W is unhappy that NewDay Ltd, trading as Aqua, provided her with new and further credit which she feels wasn’t affordable for her at those times. What happened In March 2017, Ms W applied for a NewDay administered credit account. Her application was approved, a... (5 pages)View decision -
Decision Reference DRN-3502107
27 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3502107 The complaint Mr W complains NewDay Ltd trading as Aqua have irresponsibly lent to him. What happened Mr W was accepted for a NewDay branded credit card in October 2014, with a £900 credit limit. The credit limit was later increased to; £1,900 in February 2015 £2,500 in July ... (5 pages)View decision -
Decision Reference DRN-3325753
24 May 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3325753 The complaint Mrs G complains that NewDay Ltd trading as Aqua should have recorded a default on her account when she entered a debt management plan. What happened Mrs G had a NewDay branded credit card. In 2014, she suffered financial difficulties, which resulted in her enterin... (3 pages)View decision -
Decision Reference DRN-3214975
23 May 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3214975 The complaint Mr S is unhappy NewDay Ltd won’t refund money he paid for some work to be carried out at his property. He’s made a claim under section 75 of the Consumer Credit Act 1974. What happened Mr S engaged a company, who I’ll call F, to carry out building work on a proper... (3 pages)View decision -
Decision Reference DRN-3489073
20 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3489073 The complaint Mrs H complains that NewDay Ltd acted irresponsibly by providing several unsolicited credit limit increases on her credit card accounts. What happened Mrs H applied for an Evans credit card with NewDay in March 2015. This was approved with a £500 credit limit. Ove... (4 pages)View decision -
Decision Reference DRN-3421653
20 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3421653 The complaint Mr L complains that NewDay Ltd trading as Marbles Card irresponsibly allowed him to open a credit card account and later increased the credit limit to unaffordable levels. What happened Mr L says he opened the Marbles account in 2015 and at the time had a number o... (2 pages)View decision -
Decision Reference DRN-3280711
20 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3280711 The complaint Mr D complains that NewDay Ltd refuses to refund a payment he made to a fraudulent binary options scammer. What happened Mr D was introduced to a company I’ll call ‘S’ by a friend who was working with them and earning large profits. His friend passed Mr D’s detai... (7 pages)View decision -
Decision Reference DRN-3451060
19 May 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3451060 The complaint Ms K complains that NewDay Ltd (trading as Aqua) recorded a default on her credit file and sold her debt to a third party, despite a payment plan being agreed and being told not to worry about letters she received. What happened Ms K held an Aqua credit card accou... (3 pages)View decision -
Decision Reference DRN-3320110
18 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3320110 The complaint Mr M complains about irresponsible credit card lending made to him by NewDay Ltd trading as Aqua. He says he couldn’t afford either the initial lending to him of £300 in July 2017, or the increase to £500 later in that year, and NewDay should have realised that. W... (3 pages)View decision