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-2951154
30 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2951154 The complaint Miss G complains that NewDay Limited won’t refund to her the money that she paid for a sofa. What happened Miss G used a credit card provided by NewDay in May 2018 to pay £207 towards the total cost of £3,707 for a new sofa. The sofa was delivered to her in July 2... (3 pages)View decision -
Decision Reference DRN-3065610
29 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3065610 The complaint Mr M complains that he was given misleading information by NewDay Ltd. What happened Mr M says NewDay agreed a six-month payment plan with him and said he needed to make a payment by 25 July 2019. He says he did so and made the required six payments but NewDay tol... (2 pages)View decision -
Decision Reference DRN-3075881
29 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3075881 The complaint Mr H is unhappy that NewDay Ltd, trading as Aqua, approved him for a credit account which was unaffordable for him at that time and later increased the credit limit on that account, which Mr H also feels was unaffordable for him at that time. What happened Mr H ap... (3 pages)View decision -
Decision Reference DRN-2412119
27 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2412119 The complaint Mr M complains that NewDay Ltd, trading as Marbles, irresponsibly increased his limit on his credit card, without checking that he could afford it. What happened In 2017, Mr M applied for a Marbles credit card provided by NewDay. It offered him a credit limit of £... (5 pages)View decision -
Decision Reference DRN-3046384
24 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3046384 The complaint Mr P complains that NewDay Ltd trading as Aquacard was irresponsible in its lending to him. What happened Mr P applied for a credit card with NewDay in February 2020. This application was approved for a card with a credit limit of £1,200. In July 2020, his credit ... (3 pages)View decision -
Decision Reference DRN-2828949
23 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2828949 The complaint Miss G complained that NewDay Ltd trading as Aqua (“Aqua”) should not have provided her with a credit card and then increased the credit limit, as it was not affordable for her. What happened Miss G applied for and was given a credit card with Aqua in May 2016, wi... (4 pages)View decision -
Decision Reference DRN-3061961
22 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3061961 The complaint Mr L complains that NewDay Ltd trading as Aqua lent irresponsibly by approving two credit cards in his name and increasing the credit limits. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In my p... (4 pages)View decision -
Decision Reference DRN-3022423
22 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3022423 The complaint Mrs S complains about NewDay Ltd trading as Aqua’s (“Aqua”) decision to increase her credit limit. What happened Mrs S was accepted for a credit card by Aqua in June 2019 and given an initial credit limit of £450. Mrs S says she used this account for gambling and... (3 pages)View decision -
Decision Reference DRN-3059204
21 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3059204 The complaint Mr J is unhappy that NewDay Ltd approved him for several lines of credit which weren’t affordable for him at that time. Mr J is also unhappy that NewDay subsequently increased the credit limit on two of his credit lines on several occasions, all of which he feels ... (7 pages)View decision -
Decision Reference DRN-2847902
21 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2847902 The complaint Mr A complains New Day Ltd trading as Marbles (NewDay) lent to him irresponsibly. What happened Mr A applied for a credit card with NewDay and it agreed a relatively small credit limit. Over a short space of time NewDay increased Mr A’s credit limit to close to fi... (3 pages)View decision