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 2162 results
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Decision Reference DRN-2971155
8 Sep 2021 NewDay Ltd Not upheldConsumer CreditDRN-2971155 The complaint Mr S complains that NewDay Ltd made several increases to his credit limit on his Aqua credit card without following the rules of responsible lending. This led to him suffering financial hardship. What happened Mr S opened an Aqua credit card account with NewDay in... (3 pages)View decision -
Decision Reference DRN-2980181
18 Aug 2021 NewDay Ltd Not upheldConsumer CreditDRN-2980181 The complaint Mr S says that a default was recorded on his credit file later than it should have been. As a result, it will remain on his file for some time after it should have been removed. Mr S says NewDay Ltd is responsible, for reasons which I shall explain. What happened ... (3 pages)View decision -
Decision Reference DRN-3751205
18 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3751205 The complaint Miss C complains that NewDay Ltd trading as Marbles was irresponsible in its lending to her. What happened Miss C was provided with a Marbles branded credit card with an initial credit limit of £250 in July 2021. The credit limit was increased on two occasions: fi... (3 pages)View decision -
Decision Reference DRN1184535
1 Feb 2019 NewDay Ltd UpheldPayment protection insurance (PPI)This complaint is about a payment protection insurance (PPI) policy taken out with a credit card in 1998. Mr D 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 circ... (2 pages)View decision -
Decision Reference DRN7174270
2 Feb 2017 NewDay Ltd UpheldBanking and creditMs E complains that NewDay Ltd registered a default on her credit file without notifying her beforehand.backgroundIt is agreed that in 2015, Ms E entered into a £1 per month payment plan to repay her £3,000 credit card debt. NewDay agreed that no interest would be c... (2 pages)View decision -
Decision Reference DRN-4302349
3 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4302349 The complaint Ms M is unhappy that NewDay Ltd won’t increase her credit card account limit and she doesn’t think it’s adequately explained why it won’t. What happened Ms M recently asked NewDay Ltd to increase her credit card account limit. It refused. NewDay told Ms M that she... (2 pages)View decision -
Decision Reference DRN-2968503
10 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2968503 The complaint Miss B complains that NewDay Ltd has irresponsibly lent to her. What happened Miss B was accepted for a branded credit card in September 2018 with a credit limit of £500. In February 2019, the credit limit was increased from £500 to £1,400. Miss B was accepted for... (5 pages)View decision -
Decision Reference DRN0437271
14 Nov 2018 NewDay Ltd UpheldBanking and creditMiss S complains that her account with NewDay Ltd incurred late payment fees and interest without her knowledge.backgroundMiss S held an account with Topshop which she hadn’t used for a long time but which was in credit due to a refund received previously. In late 2017 Mi... (2 pages)View decision -
Decision Reference DRN-5301786
7 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5301786 The complaint Mr D, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr D took out a credit card from NewDay on 3 February 2021. He was given a credit limit of £600. This was increased four times over the next two years. Mr... (3 pages)View decision -
Decision Reference DRN6114113
27 Aug 2015 NewDay Cards Ltd Not upheldBanking and creditMiss W complains that NewDay Cards Ltd registered a default on her credit file after she made a reduced payment to settle her debt. She also complains about the time it took to respond to her complaint and update her address.background Miss W was experiencing probl... (2 pages)View decision
