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-3268752
26 Apr 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3268752 The complaint Miss H complains that NewDay Ltd incorrectly recorded missed payments on her credit file after she made the payments due under her repayment plan. What happened Miss H is in a repayment plan after falling into financial difficulties. She says she contacted the com... (2 pages)View decision -
Decision Reference DRN-3443414
22 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3443414 The complaint Mr W is unhappy that NewDay Ltd, trading as Aqua, didn’t set up a three-month payment holiday on his account when he informed that that he was unable to make payments towards his account because of the impact of Covid-19. What happened Mr W had a NewDay administer... (4 pages)View decision -
Decision Reference DRN-3169494
21 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3169494 The complaint Mr T complains that NewDay Ltd (“NewDay”) has refused to refund payments he made to what he believed was a legitimate binary options trading company (Tradorax). These payments were made using Mr T’s NewDay Mastercard credit card. What happened The circumstances o... (4 pages)View decision -
Decision Reference DRN-3121562
21 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3121562 The complaint Miss W complained that NewDay Ltd lent irresponsibly when providing her with two credit cards. What happened Miss W applied for the first credit card online in August 2016. Her application data included that she was a part-time contractor earning £9,600 a year. Ne... (6 pages)View decision -
Decision Reference DRN-3387858
20 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3387858 The complaint Miss P complains that NewDay Ltd trading as Marbles (Marbles) didn’t treat her fairly when she advised them she was in financial difficulty. What happened Miss P had a marbles card. In August 2020, she went over her limit of £3,800 – the balance was £3,951.27. On ... (4 pages)View decision -
Decision Reference DRN-3437734
19 Apr 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3437734 The complaint Ms S is unhappy that NewDay Ltd is holding her liable for debts she says were taken out in her name without her consent. What happened Between December 2016 and October 2018, five credit card accounts were opened with NewDay in various versions of Ms S’s name usin... (6 pages)View decision -
Decision Reference DRN-3365969
19 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3365969 The complaint Mr B complains that NewDay Ltd trading as Aqua and Marbles lent irresponsibly when it approved his credit card applications and later increased the credit limit. What happened Mr B applied for a Marbles credit card in October 2016. In his application, Mr B said he... (3 pages)View decision -
Decision Reference DRN-3381789
19 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3381789 The complaint Mr P is unhappy that NewDay Ltd, trading as Aqua, approved him for increasing amounts of credit, all of which he feels were unaffordable for him at those times. What happened Mr P had a NewDay credit account with a credit limit of £600. In August 2016, NewDay incr... (7 pages)View decision -
Decision Reference DRN-3367102
14 Apr 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3367102 The complaint Mr H complains that he didn’t get any support from NewDay Ltd trading as Aqua (Aqua) and they registered a default against him. What happened Mr H had a credit card with Aqua. In January 2019, he had a limit of £7,550 and the balance was £4,797. Contractual minimu... (4 pages)View decision -
Decision Reference DRN-3211219
12 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3211219 The complaint Miss S is unhappy that NewDay Ltd, trading as Aqua, provided credit to her which she feels was unaffordable for her. What happened In March 2017, Miss S applied for a credit account with NewDay. Her application was accepted, and NewDay issued Miss S with a credit ... (3 pages)View decision