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-2980181
18 Aug 2021 NewDay Ltd Not upheldConsumer CreditDRN-2980181 The complaint Mr S says that a default was recorded on his credit file later than it should have been. As a result, it will remain on his file for some time after it should have been removed. Mr S says NewDay Ltd is responsible, for reasons which I shall explain. What happened ... (3 pages)View decision -
Decision Reference DRN-2950892
16 Aug 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2950892 The complaint Mr P is unhappy that NewDay Ltd, trading as Aqua, approved him for a credit account which he feels was unaffordable for him at that time. Mr P is also unhappy that NewDay increased the credit limit on his account on several occasions, which he also feels was unaff... (3 pages)View decision -
Decision Reference DRN-2578203
16 Aug 2021 NewDay Ltd Not upheldBanking and PaymentsThe complaint Mr A is unhapp y with how NewDay Ltd has handled a complaint about a declined transaction on his credit card. What happened The background of this complaint is well known to both parties and has been detailed by our investigator previously. so, I’ll summarise the key points I... (2 pages)View decision -
Decision Reference DRN-2631321
13 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2631321 The complaint Ms T complains that NewDay Ltd – trading as Aqua – were irresponsible in approving a credit card for her because she thinks it was unaffordable, and she says she was vulnerable due to her poor mental health at the time. When I refer to what Ms T has said, and Aqua... (7 pages)View decision -
Decision Reference DRN-2800437
12 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2800437 The complaint Mr N complains that NewDay Ltd trading as Marbles Card (“NewDay”) lent to him when it shouldn’t have. What happened Mr N took out a branded credit card in January 2017 with a limit of £900. There were then four credit increases to the credit limit between June 201... (3 pages)View decision -
Decision Reference DRN-2940852
12 Aug 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2940852 The complaint Mr S complains NewDay Ltd (NewDay) incorrectly recorded an incorrect surname and address on his credit file What happened Mr S says following an initial issue over goods purchased, he discovered that NewDay had amended his records and notified credit reference age... (3 pages)View decision -
Decision Reference DRN-2936011
10 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2936011 The complaint Ms T complains that NewDay Ltd irresponsibly allowed her to open a credit card account which was unaffordable and also increased the credit limits. What happened Ms T says she shouldn’t have been allowed to open the NewDay credit card account in 2017 and it didn’t... (3 pages)View decision -
Decision Reference DRN-2968503
10 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2968503 The complaint Miss B complains that NewDay Ltd has irresponsibly lent to her. What happened Miss B was accepted for a branded credit card in September 2018 with a credit limit of £500. In February 2019, the credit limit was increased from £500 to £1,400. Miss B was accepted for... (5 pages)View decision -
Decision Reference DRN-2936819
10 Aug 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2936819 The complaint Miss G has complained that NewDay Ltd hasn’t treated her fairly as a vulnerable consumer, and as a result she accrued more debt on her credit card account. What happened Miss G opened her account in March 2017, and between April and October 2019 Miss G says it was... (4 pages)View decision -
Decision Reference DRN8023356
9 Aug 2021 NewDay Ltd Not upheldBanking and creditMr W complains that NewDay Ltd hasn’t reimbursed him for transactions he says are fraudulent. background Over the course of 2018 Mr W raised four fraud claims in relation to payments he didn’t recognise on his Aqua credit card. NewDay replaced his credit card each time and reimbursed him f... (4 pages)View decision