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-3057272
13 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3057272 The complaint Miss F complained because NewDay Ltd, trading as Aqua, increased her credit limit. She said NewDay didn’t check she could afford to pay it back. Miss F wants NewDay to refund all interest charged on her card, and to remove all negative information from her credit ... (4 pages)View decision -
Decision Reference DRN-2767937
12 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2767937 The complaint Mr P complained that NewDay Ltd trading as Aqua overcharged him fees and interest on his borrowing. He said this forced him into debt and further borrowing. Mr P wanted NewDay to make a refund. What happened Mr P told us that the interest and charges that NewDay a... (3 pages)View decision -
Decision Reference DRN-3071230
9 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3071230 The complaint Mr O complains that NewDay Ltd closed his credit card account despite being on an arrangement with it. What happened Mr O says he agreed what he thought was a payment holiday with NewDay at the start of 2021. But he says NewDay closed his account before the arrang... (2 pages)View decision -
Decision Reference DRN-3023468
7 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3023468 The complaint Mrs R complains about NewDay Ltd (“NewDay”) for recording adverse information on her credit file and for its handling of her financial difficulties. What happened Mrs R had a number of credit cards, including an Aqua credit card and a Marbles credit card operated ... (2 pages)View decision -
Decision Reference DRN-3050609
6 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3050609 The complaint Mr E complains that NewDay Ltd trading as Marbles didn’t give him information about his account which led to adverse information being registered on his credit file. What happened Mr E says he was in financial difficulties and agreed a repayment plan with Marbles.... (2 pages)View decision -
Decision Reference DRN-3091261
6 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3091261 The complaint Mr B complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card and later increased the credit limit twice. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In ... (3 pages)View decision -
Decision Reference DRN-2968774
6 Oct 2021 NewDay Ltd UpheldConsumer CreditDRN-2968774 The complaint Mr L complains NewDay Ltd added a default to his credit file unfairly. What happened Mr L held a credit card with NewDay, and the card fell into arrears on three separate occasions. NewDay sent default notices the first two times the card fell into arrears and Mr ... (2 pages)View decision -
Decision Reference DRN-3085365
4 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3085365 The complaint Miss H said she’d asked NewDay Ltd to cancel her card, and set up a payment plan for her. But she said it hadn’t done that. Miss H wanted NewDay to remove all the interest and charges on her account from 11 January 2021, and set up the plan she’d asked for then. ... (4 pages)View decision -
Decision Reference DRN-3072468
4 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3072468 The complaint Mr C complains about lending made to him through four separate credit card accounts by NewDay Ltd. What happened Mr C said that NewDay had lent him money through four separate credit card accounts, starting in 2015. He said that none of this lending was affordabl... (7 pages)View decision -
Decision Reference DRN-3083906
4 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3083906 The complaint Miss B is unhappy that NewDay Ltd, trading as Aqua, approved her for credit that wasn’t affordable for her at that time and later increased the limit on her credit account which also wasn’t affordable for her at that time. What happened Miss B applied for a NewDay... (4 pages)View decision