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 2113 results
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Decision Reference DRN-4652080
9 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4652080 The complaint In summary, Mr S complains that NewDay Ltd trading as Aqua, blocked his credit card account. He would like his account to be unblocked and is unhappy with NewDay’s security process. What happened In June 2023 Mr S opened a credit card account with NewDay. Shortly ... (2 pages)View decision -
Decision Reference DRN0089135
25 Aug 2016 NewDay Ltd UpheldBanking and creditMrs A complains that NewDay Ltd. refused to increase her credit limit due to an error in their records.backgroundMrs A said she’d asked NewDay to increase her credit limit several times but was refused and given a variety of generic reasons. It later became clear t... (2 pages)View decision -
Decision Reference DRN7377913
3 Aug 2018 NewDay Ltd UpheldBanking and creditMiss H complains that NewDay Ltd (trading as Aqua) has not returned a credit balance on her credit card account.backgroundMiss H arranged a payment to her card account from a different business in June 2017. This meant her card account with NewDay went into credit. It... (2 pages)View decision -
Decision Reference DRN8522663
13 Mar 2019 NewDay Ltd UpheldPayment protection insurance (PPI)This complaint is about a payment protection insurance (PPI) policy taken out with a credit card in 1996. Mr B says NewDay Ltd mis-sold him the PPI.my findingsI’ve considered all the available evidence and arguments to decide what is fair and reasonable in the cir... (2 pages)View decision -
Decision Reference DRN0180856
11 Dec 2018 NewDay Ltd UpheldBanking and creditMr Q complains about the time taken by NewDay Ltd to deal with a refund to his card account and that he was given incorrect information about this.backgroundMr Q was due a refund of £1,251.45 for an item he had previously purchased with his card. He contacted NewDay ... (2 pages)View decision -
Decision Reference DRN3167110
8 Aug 2018 NewDay Ltd Not upheldBanking and creditMr L complains about the interest NewDay Ltd (trading as NewDay) charged him on his credit card.backgroundMr L opened his NewDay credit card account on 14 September 2017 with a three month interest free period on purchases. He said he made his first payment in Octob... (2 pages)View decision -
Decision Reference DRN-4346687
4 Dec 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4346687 The complaint Mr B is unhappy because he was led to believe by NewDay Ltd that his account was in credit by £192. Mr B spent the funds as he believed he had this to spend but later found out that the balance on the account was incorrect as further transactions were debited. Wha... (2 pages)View decision -
Decision Reference DRN-4610436
11 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4610436 Complaint Mrs G has complained that NewDay Ltd (“NewDay”) irresponsibly provided her with credit card accounts, which it then allowed her to access funds in order to gamble even after a prohibition on using credit cards for gambling was introduced. Background Mrs G had two cred... (6 pages)View decision -
Decision Reference DRN1069504
25 Feb 2019 NewDay Ltd UpheldBanking and creditMiss T and her representative complain about a letter NewDay Ltd sent her which they say was misleading.backgroundMiss T wanted to start a section 75 Consumer Credit Act claim with NewDay to obtain a refund for some damaged items bought from a retailer. But NewDay re... (2 pages)View decision -
Decision Reference DRN3757510
3 May 2017 NewDay Ltd UpheldBanking and creditMrs A complains that NewDay Ltd (trading as Debenhams) reported incorrect information about her credit record which prevented her from remortgaging.backgroundMrs A applied for a joint remortgage in February 2016. The potential lender told her that it could not agree as s... (2 pages)View decision
