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-3116470
21 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3116470 The complaint Miss B complains that NewDay Ltd irresponsibly lent to her. What happened Miss B was approved for three NewDay credit cards which I will refer to as A, B and C. NewDay increased the credit limits on all three cards, which I have detailed below. Card A – approved A... (6 pages)View decision -
Decision Reference DRN-3112325
20 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3112325 The complaint Mr L complains that NewDay, trading as Aqua, won’t refund to him the money that he paid for some gaming credits. What happened Mr L used his Aqua credit card, which was provided by NewDay, in January 2021 to pay £399.72 for some gaming credits. He contacted NewDay... (2 pages)View decision -
Decision Reference DRN-3089981
20 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3089981 The complaint Mr G complains that NewDay Ltd trading as Aqua is holding him responsible for an account that he didn’t open. What happened Mr G says that he received a letter in January 2020 from debt collectors about borrowing of £976 on an account in his name with NewDay. He s... (3 pages)View decision -
Decision Reference DRN-3115112
19 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3115112 The complaint Mr H complains that NewDay Ltd trading as Aquacard lent him money he couldn’t afford to pay back, and he was in persistent debt as a result of this. What happened Mr H said that NewDay lent to him irresponsibly. He wanted it to refund all charges and interest, an... (5 pages)View decision -
Decision Reference DRN-2944447
19 Oct 2021 NewDay Ltd Not upheldConsumer CreditDRN-2944447 The complaint Mrs A complains about the adverse information that NewDay Limited has recorded on her credit file relating to the payments that she made under a credit agreement for a television. What happened Mrs A used a credit agreement with a third party to pay for a televisi... (3 pages)View decision -
Decision Reference DRN-3080646
18 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3080646 The complaint Mr B complains of irresponsible lending by NewDay Ltd trading as Aqua. He would like any further action on his debt to be stopped pending our investigation What happened The details of this complaint are well known to both parties so I won’t repeat them again here... (2 pages)View decision -
Decision Reference DRN-3012006
14 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3012006 The complaint Ms K complains about NewDay Ltd (“NewDay”) for proactively increasing her credit card limit on multiple occasions. She feels that the lending was irresponsible and caused her to incur greater debt. She wants NewDay to refund the interest and charges applied to her... (3 pages)View decision -
Decision Reference DRN-3107341
14 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3107341 The complaint Miss B complains that NewDay Ltd trading as Fluid have irresponsibly lent to her and have provided poor account management. What happened Miss B applied for a Fluid credit card on 11 December 2019. Fluid accepted her application and issued a credit limit of £900. ... (5 pages)View decision -
Decision Reference DRN-3106120
13 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3106120 The complaint Mr G complained that NewDay Ltd (trading as Aqua) acted irresponsibly when they increased his credit card limit with them on multiple occasions. He said that it should’ve been clear he was in a poor cycle of debt. What happened Mr G applied to Aqua for a credit ca... (4 pages)View decision -
Decision Reference DRN-2884288
13 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2884288 The complaint Mr S complains about NewDay Ltd and their decision to approve two separate credit card applications. He’s also unhappy with the credit limit increased applied to one of these accounts. What happened In July 2016, Mr S applied for a credit card with NewDay. I’ll re... (5 pages)View decision