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-2942727
26 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2942727 The complaint Miss L’s complaint is that NewDay Ltd (“NewDay”) won’t reimburse her after she said she was the victim of fraud. What happened Miss L has a credit card account with NewDay. From December 2016 three charges started leaving her account each month, each seemingly to ... (5 pages)View decision -
Decision Reference DRN-2440476
23 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2440476 Complaint Mr H says that NewDay Ltd (trading as “Aqua”) irresponsibly lent to him. He said any affordability checks would have shown that he wasn’t fit to be lent to. Background Mr H was provided with an Aqua credit card with an initial credit limit of £250 in August 2017. In ... (6 pages)View decision -
Decision Reference DRN-2909508
21 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2909508 The complaint Miss M complains that NewDay Ltd trading as Aqua lent irresponsibly when it increased the credit limit of her credit card. What happened Miss M applied for a credit card with Aqua in January 2015. In her application, Miss M said she was employed and earned £10,00... (3 pages)View decision -
Decision Reference DRN-2868860
21 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2868860 The complaint Miss G complains that NewDay trading as Aqua irresponsibly allowed her to open two credit card accounts and later increased the credit limit. She complains that the lending was unaffordable. What happened Miss G says her credit card accounts were unaffordable and ... (3 pages)View decision -
Decision Reference DRN-2934853
21 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2934853 The complaint Ms S complains that NewDay Ltd trading as Marbles irresponsibly allowed her to open a credit card account which was unaffordable. What happened Ms S says the Marbles credit card account was unaffordable from the time it was opened, and that Marbles didn’t carry ou... (3 pages)View decision -
Decision Reference DRN-2802456
15 Jul 2021 NewDay Ltd Not upheldConsumer CreditDRN-2802456 The complaint Mr C complains that NewDay Ltd trading as Debenhams closed and defaulted his credit card account and recorded this information on his credit file. What happened Mr C held a Debenhams branded credit card which was provided by NewDay Ltd. Mr C says that, in early 20... (3 pages)View decision -
Decision Reference DRN-2862283
15 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2862283 The complaint Ms A complains about the incorrect information she was given by NewDay Ltd in relation to a credit card she holds with it. What happened Ms A has a credit card with NewDay. In April 2020, she successfully applied for a payment holiday on the card, due to last for ... (3 pages)View decision -
Decision Reference DRN-2911285
15 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2911285 Complaint Mr H is unhappy with what NewDay Ltd (trading as “Aqua”) did to put things right after it agreed it irresponsibly lent to him. Background When Aqua considered Mr H’s complaint it didn’t think it acted unreasonably when initially providing Mr H with his credit card in ... (4 pages)View decision -
Decision Reference DRN-2874498
14 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2874498 The complaint Mr M complains that NewDay Limited won’t refund to him the amount that he’s claimed for some building works. His wife is also involved in his complaint. What happened Mr M entered into a contact for some building work at his home which had a total price of £45,800... (3 pages)View decision -
Decision Reference DRN-2899164
13 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2899164 The complaint Mr W is unhappy that NewDay Ltd, trading as Aqua, continued to report adverse information to his credit file after they’d sold his account to a third party, such that the same account was reported to his credit file twice. What happened Mr W entered into a payment... (2 pages)View decision