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-2847902
21 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2847902 The complaint Mr A complains New Day Ltd trading as Marbles (NewDay) lent to him irresponsibly. What happened Mr A applied for a credit card with NewDay and it agreed a relatively small credit limit. Over a short space of time NewDay increased Mr A’s credit limit to close to fi... (3 pages)View decision -
Decision Reference DRN-3052452
16 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3052452 The complaint Mr B complained that NewDay Ltd had opened credit card accounts for him without making proper checks. Mr B said this lending was never affordable for him. What happened Mr B said that NewDay had lent him money he couldn’t afford to pay back. Mr B has now entered ... (5 pages)View decision -
Decision Reference DRN6851850
28 Nov 2017 NewDay Ltd UpheldBanking and creditMr O complains about the way NewDay Ltd trading as Aqua (“NewDay”) dealt with his credit card account after he told them he was in financial difficulties.backgroundOn 12 June 2017 Mr O contacted NewDay and told them he was in financial difficulties. After going th... (2 pages)View decision -
Decision Reference DRN-3682140
26 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3682140 The complaint Ms P complains NewDay Ltd trading as Aqua (NewDay) gave her unaffordable credit limits. What happened Ms P applied for a NewDay credit card, branded as Marbles. NewDay gave Ms P an initial £300 credit limit. Five months later, NewDay increased the credit limit to ... (3 pages)View decision -
Decision Reference DRN-3537180
10 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3537180 The complaint Miss S complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved a credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision.... (3 pages)View decision -
Decision Reference DRN8429558
19 Dec 2019 NewDay Ltd UpheldBanking and creditComplaintMr J is unhappy with the service he’s received from NewDay Ltd (NewDay). He feels NewDay hasn’t been helpful in getting a deposit back from a car dealer, has been rude to him on the telephone and has blocked a payment on his card unnecessarily.Background Mr J has an Aqua credit ca... (4 pages)View decision -
Decision Reference DRN3552011
21 Dec 2020 NewDay Ltd UpheldBanking and creditMs S complains that NewDay Ltd won’t refund her money that was taken out as cash advances (which I’ll refer to as withdrawals for ease). She’s later complained about spending using her NewDay card as well. Ms S says that she didn’t draw any money out or use the card to buy things. All of t... (7 pages)View decision -
Decision Reference DRN-4771161
7 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4771161 The complaint Mr L complains that NewDay Ltd trading as Argos Credit approved a credit card instead of the store card he applied for. Mr L also complains that NewDay lent irresponsibly when it approved his credit card application. Mr L also says that despite asking NewDay to ca... (3 pages)View decision -
Decision Reference DRN3091605
12 Nov 2015 NewDay Cards Ltd UpheldBanking and creditMr B is unhappy with the way NewDay Cards Ltd (trading as Aqua) dealt with his application for a credit card and its response to his complaints.backgroundMr B applied online for an Aqua credit card on 20 April 2015. On 22 April, Mr B contacted NewDay to check the progres... (2 pages)View decision -
Decision Reference DRN6497810
2 Nov 2017 NewDay Ltd Not upheldBanking and creditMr M complained that NewDay Ltd had put up the limit and the interest rate on his credit card, when it should’ve known he couldn’t afford it.backgroundMr M said that NewDay repeatedly raised the credit limit on his account, although he wasn’t managing the account ... (2 pages)View decision
