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 2101 results
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Decision Reference DRN5717011
19 Sep 2018 NewDay Ltd UpheldBanking and creditMiss F complains that NewDay Ltd has raised the interest on her credit card account, without responding to the questions she had asked about this.backgroundMiss F said that NewDay had raised the interest on her credit card for the third time. She said that she’d ... (3 pages)View decision -
Decision Reference DRN-2221823
30 Sep 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2221823 The complaint Mrs B complains NewDay Ltd (trading as Aqua) lent to her irresponsibly. She’s unhappy about the level of interest she’s been charged and that she wasn’t issued a new card when her old one expired. She’s also unhappy with the way NewDay responded when she said she ... (6 pages)View decision -
Decision Reference DRN-3568944
1 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3568944 The complaint Mr T complains that NewDay Ltd lent irresponsibly when it approved credit card applications for its Aqua and Amazon accounts and later increased the credit limits. What happened The background to this complaint and my initial conclusions were set out in my provisi... (4 pages)View decision -
Decision Reference DRN6500563
19 Feb 2018 NewDay Ltd Not upheldBanking and creditMr M says it was irresponsible of NewDay Ltd to accept his application for a credit card, given his financial circumstances at the time.backgroundMr M applied for a credit card with NewDay in April 2016. NewDay accepted his application and set a credit limit of £450. ... (2 pages)View decision -
Decision Reference DRN5087695
22 Jan 2020 NewDay Ltd UpheldBanking and creditComplaint Mr L complains that NewDay Ltd lent irresponsibly each time it increased his credit limit on his Aqua credit card. BackgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 12 December 2019 - a copy of which is attached ... (5 pages)View decision -
Decision Reference DRN-4456004
16 Nov 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4456004 The complaint Mr B complains that NewDay Ltd has refused his account application and hasn’t provided him with the reasons for doing so. He also complains that NewDay has ignored his letters to it about the application. What happened Mr B says he held a credit card account which... (3 pages)View decision -
Decision Reference DRN-3686202
6 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3686202 The complaint Ms S is unhappy that NewDay Ltd provided new and further credit to her on multiple occasions, all instances of which she feels weren’t affordable for her at those times. What happened In March 2017, Ms S successfully applied for a NewDay branded credit account (“B... (8 pages)View decision -
Decision Reference DRN-4115148
3 Oct 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4115148 The complaint Ms H complains that NewDay Ltd trading as Amazon Platinum Credit Card closed her account despite her ringing NewDay to see if she needed to take further action. What happened Ms H had a NewDay Amazon branded credit card, but NewDay wrote to Ms H in August 2022 to ... (3 pages)View decision -
Decision Reference DRN-5298774
27 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5298774 The complaint Miss R complains about the way that NewDay Ltd trading as Aqua handled her credit card account. What happened Miss R holds a credit card with NewDay. She contacted NewDay on 18 September 2024 after receiving a message about her outstanding balance. Miss R expla... (3 pages)View decision -
Decision Reference DRN-3057272
13 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3057272 The complaint Miss F complained because NewDay Ltd, trading as Aqua, increased her credit limit. She said NewDay didn’t check she could afford to pay it back. Miss F wants NewDay to refund all interest charged on her card, and to remove all negative information from her credit ... (4 pages)View decision
