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 2092 results
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Decision Reference DRN-4198047
6 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4198047 The complaint Mr C complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened In June 2021 Mr C applied for a Aqua credit card. NewDay approved the application and gave Mr C a card with an initial credit limit of £600. The credit limit was increased to £... (3 pages)View decision -
Decision Reference DRN3809041
22 Jan 2019 NewDay Ltd UpheldBanking and creditMr B complains that NewDay Ltd has harassed him for a credit card debt he’s unable to repay and refused to accept £50 a month. Mr B also complains that NewDay has called at unreasonable times. backgroundMr B has a credit card with NewDay. In July 2018 Mr B told NewDa... (2 pages)View decision -
Decision Reference DRN-3305718
22 Feb 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3305718 The complaint Mr D complains that NewDay Ltd unfairly recorded adverse information on his credit file. What happened Mr D says he agreed a repayment plan with NewDay in 2014 and it recorded late payment markers on his credit file. He says those markers were recorded until 2018 ... (3 pages)View decision -
Decision Reference DRN1876240
24 Jun 2019 NewDay Ltd UpheldBanking and creditMr C says NewDay Limited, trading as Aqua, has treated him unfairly in relation to his credit card debt.BackgroundEarlier this month I issued a provisional decision saying that I was minded to uphold the complaint and suggesting NewDay paid Mr C £350 in distress and inconvenience. I invite... (4 pages)View decision -
Decision Reference DRN-3425293
29 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3425293 The complaint Miss O says NewDay Ltd trading as Marbles Card irresponsibly lent to her. What happened Miss O’s complaint is about a credit card account provided by NewDay. The account was opened in December 2015. Miss O was given an initial credit limit of £450. This limit was ... (3 pages)View decision -
Decision Reference DRN-1901659
5 Aug 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1901659 The complaintMiss S complains that NewDay Ltd irresponsibly allowed her to open a credit card account that was unaffordable. What happenedMiss S says she opened the account in 2016 but says NewDay didn't carry out sufficient checks on her income and outgoings. She says she... (2 pages)View decision -
Decision Reference DRN4845689
4 Oct 2019 NewDay Ltd Not upheldBanking and creditMr R complains about how NewDay Ltd dealt with a disputed credit card transaction.backgroundMr R says he told NewDay about a disputed transaction of about £55 that was later refunded to him. He says NewDay asked him to complete a form which he did and sent it back to NewDay. Mr R says he ... (2 pages)View decision -
Decision Reference DRN-3085365
4 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3085365 The complaint Miss H said she’d asked NewDay Ltd to cancel her card, and set up a payment plan for her. But she said it hadn’t done that. Miss H wanted NewDay to remove all the interest and charges on her account from 11 January 2021, and set up the plan she’d asked for then. ... (4 pages)View decision -
Decision Reference DRN-4684866
22 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4684866 The complaint Mr E complains about interest applied to his account by NewDay Ltd trading as AO Finance (“NewDay”). He says no interest should have been charged because he was on an interest- free promotion. What happened In 2021, Mr E opened a credit account. The credit was pro... (3 pages)View decision -
Decision Reference DRN-1572788
7 Jun 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1572788 The complaint Mr R complains that NewDay Ltd has accessed his credit file and performed a credit search without his permission. What happenedMr R said he’d noticed a credit search on his credit file, made by NewDay. He said he hadn’t authorised that, and he thought it was fraud... (2 pages)View decision
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