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 2568 results
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Decision Reference DRN-5119069
20 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5119069 The complaint Mr A complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened In December 2017 Mr A applied for a credit card with NewDay. NewDay approved the application and gave Mr A a credit card with an initial credit limit of £900. The credit lim... (3 pages)View decision -
Decision Reference DRN-3337945
30 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3337945 The complaint Mr A complains that NewDay Ltd (trading as Opus) won’t reimburse money he lost when he says he fell victim to a binary options investment scam. What happened Mr A came across a binary options company called Golden Markets online. He contacted them and was promised... (4 pages)View decision -
Decision Reference DRN-2636642
16 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2636642 The complaint Mr C is unhappy that NewDay Ltd, trading as Debenhams Mastercard, made excessive telephone calls to him in relation to outstanding balances that he had with them. What happened Mr C has five accounts with NewDay linked to five different retailers. Mr C previously ... (4 pages)View decision -
Decision Reference DRN-4308217
6 Sep 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4308217 The complaint Mrs T, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs T applied for a credit card from NewDay in November 2019. It was approved with a limit of £250. She was then given five credit limit increases as set ou... (3 pages)View decision -
Decision Reference DRN-3187508
14 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3187508 The complaint Mr H is unhappy with the fees and charges that NewDay Ltd, trading as Aquacard, have applied to his account, as well as with the service that he’d received from NewDay when attempting to discuss his account with them. What happened Mr H went over the agreed credit... (2 pages)View decision -
Decision Reference DRN-2914955
28 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2914955 The complaint Miss J is unhappy that NewDay Ltd approved her for a credit account that was unaffordable for her at that time. Miss J is also unhappy that NewDay Ltd subsequently increased the credit limit on the account, which she feels was also unaffordable for her at that tim... (3 pages)View decision -
Decision Reference DRN7578127
25 May 2016 NewDay Ltd UpheldBanking and creditMs B complains that NewDay Ltd didn’t charge back a payment she made for goods that she didn’t receive.backgroundIn March 2015 Ms B used PayPal to pay for a piece of furniture, using her Debenhams credit card. She says the item was due to be delivered within 12 weeks... (2 pages)View decision -
Decision Reference DRN-2961166
4 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2961166 The complaint Mr H complained that NewDay Ltd trading as Marbles lent him money that he couldn’t afford to repay. He wanted NewDay to refund all his payments, with 8% interest, and clear his credit file. What happened Mr H complained to NewDay that the lending it made to him wa... (2 pages)View decision -
Decision Reference DRN-5259958
14 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5259958 The complaint Miss C complains that NewDay Ltd trading lent irresponsibly when it approved her credit card applications and went on to increase the credit limits. What happened Miss C successfully applied for an Aqua credit card with NewDay in December 2018. Miss C provided... (4 pages)View decision -
Decision Reference DRN-3071230
9 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3071230 The complaint Mr O complains that NewDay Ltd closed his credit card account despite being on an arrangement with it. What happened Mr O says he agreed what he thought was a payment holiday with NewDay at the start of 2021. But he says NewDay closed his account before the arrang... (2 pages)View decision