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-4925049
10 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4925049 The complaint Mr G complains NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr G was approved for an Aqua credit card in August 2017 with a credit limit of £900. I have detailed the credit limit changes below: July 2018 £900 to £2,100 October 2018 £2,100... (4 pages)View decision -
Decision Reference DRN-4939705
10 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4939705 The complaint Mr M complains that NewDay Ltd trading as Marbles irresponsibly lent to him. Mr M is represented by a claims management company 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 M h... (3 pages)View decision -
Decision Reference DRN-4605321
9 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4605321 The complaint Miss L complains that NewDay Ltd, trading as Aqua, won’t refund her for a package holiday. What happened In May 2023 Miss L used her NewDay Ltd, trading as Aqua, (‘Aqua’ for short) credit card to pay for a package holiday for her and a... (4 pages)View decision -
Decision Reference DRN-4994648
4 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4994648 The complaint Mr P says NewDay Ltd irresponsibly lent to him. What happened Mr P took out two credit cards from NewDay – one in March 2019 with a £300 limit and one in April 2019 with a £250 limit. Mr P says NewDay did not ask about his expenses. This debt has caused him s... (2 pages)View decision -
Decision Reference DRN-4986237
3 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4986237 The complaint Miss C complains that NewDay Limited, trading as Aqua, lent to her irresponsibly when it increased the credit limit on her credit card and that the credit was unaffordable for her. What happened Miss C applied to New Day for an Aqua credit card in November 2020... (4 pages)View decision -
Decision Reference DRN-4946679
2 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4946679 The complaint Miss H complains that NewDay Ltd trading as Aqua have irresponsibly lent to her. Miss H is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by ... (4 pages)View decision -
Decision Reference DRN-4991306
30 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4991306 The complaint Miss B says NewDay Ltd, trading as Marbles, irresponsibly lent to her. What happened Miss B applied for a credit card from NewDay in January 2021. It was approved with a limit of £600. She was then given five credit limit increases as set out below: Increase d... (4 pages)View decision -
Decision Reference DRN-4985004
27 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4985004 The complaint Mr A, through a representative, says NewDay Ltd irresponsibly lent to him. What happened Mr A took out a credit card from NewDay on 9 April 2022. He was given a credit limit of £450. On 11 July 2022 the limit was increased to £1,450 and on 14 November 2022 to £... (3 pages)View decision -
Decision Reference DRN-4617811
27 Aug 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4617811 The complaint Mr S complains that NewDay Ltd, trading as Opus, won’t refund him for a package holiday. What happened In May 2023 Mr S used his NewDay Ltd, trading as Opus, (‘Opus’ for short) credit card to pay for a package holiday for his family. Mr S says... (4 pages)View decision -
Decision Reference DRN-4672071
23 Aug 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4672071 The complaint Mr G complains about how NewDay Ltd trading as Aqua (“Aqua”) dealt with his request for money back in relation to payments made to a travel company. Mr G also complains that they allowed his credit card account to exceed its credit limit and that his credit fil... (3 pages)View decision
