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-4994721
27 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4994721 The complaint Mr M complains that NewDay Ltd trading as Aqua (NewDay) didn’t sufficiently check whether he could sustain the repayments when opening his credit card account. And providing him with subsequent credit limit increases. In bringing his complaint Mr M is represen... (3 pages)View decision -
Decision Reference DRN-5013765
23 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5013765 The complaint Mr F complains that NewDay Ltd trading as Pulse sold his debt to a third party whilst he was in a payment plan. What happened Mr F held a Pulse Mastercard (formerly Amazon Classic Mastercard) with NewDay. In November 2021 Mr F contacted NewDay and told them he ... (2 pages)View decision -
Decision Reference DRN-5036589
23 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5036589 The complaint Miss F says NewDay Ltd irresponsibly lent to her. What happened Miss F took out a credit card from NewDay in November 2018. She was given a £450 limit. This was increased five times to reach £5,600 in October 2021. Miss F says if NewDay had properly checked her... (3 pages)View decision -
Decision Reference DRN-5036835
23 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5036835 The complaint Miss C has complained about a default that was recorded on her credit file, in connection with the credit card account she held with NewDay Ltd, trading as Marbles. What happened Miss C took out a credit card with NewDay in February 2018. Unfortunately, she the... (2 pages)View decision -
Decision Reference DRN-5024280
21 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5024280 The complaint Mrs W complains that NewDay Ltd trading as Aqua irresponsibly allowed her to open a credit card account which was unaffordable and later increased the credit limit without appropriate checks. What happened Mrs W says she opened the Aqua credit card account in M... (3 pages)View decision -
Decision Reference DRN-5006156
20 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5006156 The complaint Mr R, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr R took out a credit card from NewDay in November 2017. He was given a £900 credit limit. This was increased seven times and by July 2021 it was £7,850.... (3 pages)View decision -
Decision Reference DRN-4975210
12 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4975210 The complaint Miss M is complaining about NewDay Ltd trading as Fluid because she says it lent irresponsibly by providing her with a credit card she couldn’t afford. What happened Miss M opened a credit card account with NewDay in March 2021. The account was set up with a cr... (4 pages)View decision -
Decision Reference DRN-4974386
11 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4974386 The complaint Ms K complains that NewDay Ltd lent to her irresponsibly when it approved her credit card and later increased the credit limit. What happened Ms K applied for a credit card with NewDay in May 2021.NewDay approved the application and gave Ms K a credit card with... (3 pages)View decision -
Decision Reference DRN-5012786
11 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5012786 The complaint Mr G, through a representative, says NewDay Ltd irresponsibly lent to him. What happened Mr G applied for a credit card from NewDay in August 2019. It was approved with a limit of £1,200. He was then given five credit limit increases until his limit reached £8,... (3 pages)View decision -
Decision Reference DRN-5014059
10 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5014059 The complaint Ms B is being represented by solicitors. She’s complaining about NewDay Ltd trading as Aqua because she says it lent irresponsibly by providing a credit card she couldn’t afford. What happened In March 2022, Ms B opened a credit card account with NewDay. The in... (3 pages)View decision
