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 2077 results
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Decision Reference DRN-5188094
18 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5188094 The complaint Mrs W complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved two credit card applications she made and increased the credit limit on one of the accounts. What happened Mrs W applied for a credit card with Aqua in May 2014. In her applica... (3 pages)View decision -
Decision Reference DRN-5188004
18 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5188004 The complaint Miss C complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss C applied for a credit card with Aqua in May 2020. In her application, Miss C said she was... (3 pages)View decision -
Decision Reference DRN-5112961
17 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5112961 The complaint Miss J complains NewDay Ltd trading as Aqua irresponsibly lent to her. Miss J 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 Miss J her... (2 pages)View decision -
Decision Reference DRN-5179098
16 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5179098 The complaint Mr K complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest and any adverse information recorded on his credit file removed. Mr K is represented by a third part... (3 pages)View decision -
Decision Reference DRN-5182666
16 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5182666 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and went on to increase the credit limit on several occasions. What happened Mr B applied for a credit card with Aqua in July 2013. Aqua approved the... (3 pages)View decision -
Decision Reference DRN-5190678
16 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5190678 Complaint Miss L has complained about a credit card and subsequent limit increases which NewDay Ltd (trading as “Aqua”) provided to her. She says the credit card was unaffordable and shouldn’t have been provided. Background Aqua provided Miss L with a credit card which had ... (4 pages)View decision -
Decision Reference DRN-5155815
13 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5155815 The complaint Ms C complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Ms C was approved for an Aqua credit card in April 2022 with a £1,200 credit limit. Ms C says this was irresponsibly lent to her. Ms C made a complaint to Aqua, who did not ... (3 pages)View decision -
Decision Reference DRN-5172860
12 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5172860 The complaint Mr D complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr D applied for an Aqua credit card in April 2023. In his application, Mr D said he was employed with an income of £30,000. Aqua appl... (2 pages)View decision -
Decision Reference DRN-5145518
10 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5145518 The complaint Mr H complains that NewDay Ltd trading as Fluid, unfairly recorded a default against his credit file. He wants the default removed and to be paid additional compensation. What happened Mr H held a credit facility with NewDay and was required to make monthly re... (3 pages)View decision -
Decision Reference DRN-4602085
10 Dec 2024 NewDay Ltd Not upheldConsumer CreditDRN-4602085 The complaint Mr G has complained that NewDay Ltd, trading as Opus, acted unfairly and unreasonably by deciding against paying a claim made under s.75 of the Consumer Credit Act 1974 (“CCA”). What happened In November 2013, Mr G, alongside another, purchased holiday club mem... (4 pages)View decision
