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 2089 results
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Decision Reference DRN-5076841
11 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5076841 The complaint Mrs B has complained that NewDay Ltd didn’t fairly or reasonably deal with claims under the Consumer Credit Act 1974 (“the CCA”) in relation to a holiday product bought, in part, using her credit card. What happened In June 2016, Mrs B and Mr B purchased holida... (4 pages)View decision -
Decision Reference DRN-5051912
10 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5051912 The complaint Mr F complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr F applied for a credit card with NewDay in February 2015, NewDay approved the application and gave Mr F a credit card with an initial credit limit of £250. The credit lim... (3 pages)View decision -
Decision Reference DRN-5044560
10 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5044560 The complaint Mr J complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr J’s complaint is about a credit card supplied by NewDay. The account was opened in July 2021 with an initial credit limit of £1,200. The credit limit was increased to £24... (2 pages)View decision -
Decision Reference DRN-5026806
9 Oct 2024 NewDay Ltd UpheldConsumer CreditDRN-5026806 The complaint Mr C, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr C applied for a credit card from NewDay in February 2020. It was approved with a limit of £450. He was then given four credit limit increases as set ou... (3 pages)View decision -
Decision Reference DRN-4574987
9 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4574987 The complaint Ms S has complained about a credit card and subsequent credit limit increases NewDay Ltd trading as Marbles (“Marbles”) provided to her. She says the credit card and credit limit increases were not affordable for her due to her having a lot of other credit. Wh... (4 pages)View decision -
Decision Reference DRN-5050710
8 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5050710 The complaint Miss G complains that NewDay Ltd terminated her amount at the end of a payment holiday even though she’d made a payment to bring her account back up to date. What happened Miss G holds an account with NewDay. On 8 February 2024 NewDay sent her a letter confirmi... (3 pages)View decision -
Decision Reference DRN-4650028
7 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4650028 The complaint Miss B complains that NewDay Ltd won’t refund her for a package holiday. What happened In October 2023 Miss B used her NewDay Ltd credit card to pay for a package holiday departing later in that October. Miss B says she is a competitive athlete... (4 pages)View decision -
Decision Reference DRN-5061829
7 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5061829 The complaint Mr B complains NewDay Ltd trading as Aqua irresponsibly lent to him. Mr B is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr B himself. What happe... (4 pages)View decision -
Decision Reference DRN-5058800
4 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5058800 The complaint Mr L has complained that NewDay Ltd unfairly blocked his card, which meant two transactions were declined, causing him to lose ‘points’ he could have accrued. What happened On 10 September 2023, Mr L tried to use his NewDay card for a transaction of £4,385.83. ... (2 pages)View decision -
Decision Reference DRN-5057476
3 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5057476 The complaint Mrs G complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and went on to increase the credit limit on two occasions. What happened The background to this complaint and my initial conclusions were set out... (3 pages)View decision
