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-3167217
26 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3167217 The complaint Miss G 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 G applied for a credit card with Aqua in April 2020. In her application, Miss G said she was ... (2 pages)View decision -
Decision Reference DRN-3176404
23 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3176404 The complaint Mr and Mrs R are bringing this complaint on behalf of their late son, M, against NewDay Ltd (NewDay). They believe NewDay acted irresponsibly in giving M a credit card and subsequent credit increase. What happened Mr R said that NewDay agreed a credit for M in Apr... (4 pages)View decision -
Decision Reference DRN-3049383
23 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3049383 The complaint Ms B complains that NewDay Ltd provided her with two credit cards which were unaffordable. What happened Ms B applied for a credit card with NewDay in March 2009. This credit card was under the Aqua brand. She was initially given a £900 credit limit. The credit li... (4 pages)View decision -
Decision Reference DRN-3169475
23 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3169475 The complaint Mr B complains that NewDay Ltd, trading as Aqua, (NewDay) irresponsibly provided him with a credit card and limit increases on that card, which increased his debt. What happened In November 2013, Mr B applied for an Aqua branded credit card with NewDay. At the ti... (5 pages)View decision -
Decision Reference DRN-3076522
22 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3076522 The complaint Ms V complains that NewDay Ltd acted irresponsibly by granting her a credit card. She says the lending was unaffordable for her. What happened In 2015, NewDay granted Ms V a credit card after she’d applied for one online. Ms V later complained that NewDay shouldn’... (3 pages)View decision -
Decision Reference DRN-3164767
22 Nov 2021 NewDay Ltd UpheldConsumer CreditDRN-3164767 The complaint Mr W complains that NewDay Ltd charged him interest and late payment fees on money he doesn’t believe he owes. He would like all fees and charges refunded, his credit file amended and compensation for the distress and inconvenience. What happened The details of th... (2 pages)View decision -
Decision Reference DRN-3123765
20 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3123765 The complaint Mr G complains that NewDay Ltd trading as Debenhams Mastercard (“NewDay Ltd”) incorrectly recorded he had missed payments on his account even though he was granted a payment holiday. What happened Mr G says he tried to carry out a balance transfer with a lender bu... (3 pages)View decision -
Decision Reference DRN-3144158
19 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3144158 The complaint Mr C complains that NewDay Ltd was irresponsible in its lending to him. What happened Mr C applied for a credit card with NewDay in February 2017 and received a £600 credit limit. The limit was then increased in August 2018 to £1,200. Mr C says at the time he was ... (2 pages)View decision -
Decision Reference DRN-3081877
19 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3081877 The complaint Miss K complains that NewDay Ltd irresponsibly allowed her to open a credit card account and later increased the credit limits. She says the lending was unaffordable. What happened Miss K says she opened the NewDay credit card account in 2015. She says her credit ... (3 pages)View decision -
Decision Reference DRN-3168336
19 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3168336 The complaint Mr L complains that NewDay Ltd trading as Aqua have defaulted his account unfairly. What happened Mr L suffered financial difficulties. As a result of this he contacted Aqua in November 2019 to inform them of his personal circumstances. Aqua applied a hold to Mr L... (3 pages)View decision