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 2509 results
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Decision Reference DRN-5157429
24 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5157429 The complaint Mr M complains that NewDay Ltd trading as Aqua, increased his credit limits on the credit card it had approved for him without carrying out the right checks. Mr M says that if it had done the correct checks, it would have seen that he was a heavy gambler and he... (5 pages)View decision -
Decision Reference DRN-5399005
23 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5399005 The complaint Mrs K complains NewDay Ltd unfairly declined her section 75 Consumer Credit Act 1974 (CCA) claim for wood flooring that she says was misdescribed. What happened On 1 July 2024, Mrs K called an online flooring supplier (which I’ll call “S”) to ask about oak flo... (4 pages)View decision -
Decision Reference DRN-5496153
22 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5496153 The complaint Mr C complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr C 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 C himself. What ... (5 pages)View decision -
Decision Reference DRN-5342835
22 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5342835 The complaint Mr B complains that NewDay Ltd irresponsibly lent him a credit card account and increased the credit limit. What happened Mr B opened an Aqua branded credit card account with NewDay in August 2008, with a credit limit of £750. NewDay then increased the credit l... (3 pages)View decision -
Decision Reference DRN-5382596
17 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5382596 The complaint Miss M complains that NewDay Ltd irresponsibly lent to her. What happened Miss M was approved for a credit card (which I will refer to as A in this decision), in November 2021 with a credit limit of £600. I have detailed the credit limit changes below: March 20... (5 pages)View decision -
Decision Reference DRN-5489532
16 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5489532 The complaint Mr F complains that NewDay Ltd irresponsibly lent to him. Mr F is represented by a solicitor’s 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 F himself. What happened Mr F w... (4 pages)View decision -
Decision Reference DRN-5325651
15 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5325651 The complaint Mr M complains NewDay Ltd (NewDay) failed to carry out proper financial checks before it approved a credit card account and the subsequent credit limit increases on that account. What happened Mr M says NewDay acted irresponsibly when it provided him with a cre... (3 pages)View decision -
Decision Reference DRN-5450779
14 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5450779 The complaint Miss T complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Miss T 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 Miss T herself ... (3 pages)View decision -
Decision Reference DRN-5445837
11 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5445837 The complaint Mr J complains that NewDay Ltd was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest and any adverse information recorded about his account removed from his credit file. Mr J is represented by a third ... (3 pages)View decision -
Decision Reference DRN-5470804
10 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5470804 The complaint Miss F complains that NewDay Ltd have irresponsibly lent to her. What happened Miss F was approved for an NewDay credit card (which I will refer to as A in this decision), in April 2019 with a credit limit of £300. I have detailed the credit limit changes below... (4 pages)View decision