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 2123 results
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Decision Reference DRN-5216943
19 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5216943 The complaint Mr C, represented by a third party, complains that NewDay was irresponsible in its lending to him. What happened In April 2017 NewDay provided Mr C with a credit card with an initial limit of £300. The limit was increased on five occasions bringing it to £4,85... (3 pages)View decision -
Decision Reference DRN-3879758
13 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3879758 The complaint Mr S has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr S opened a credit card account with NewDay (trading as Aqua) in April 2018. His credit limit was £250. The limit was never increased. Mr S suggests that NewDay shouldn... (2 pages)View decision -
Decision Reference DRN-5047343
18 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5047343 The complaint Mr B, who is represented by a professional representative (“PR”) complains that NewDay Ltd was irresponsible when it increased the limit on his credit card account. What happened Mr B took out a credit card with NewDay in September 2016 and was granted the foll... (3 pages)View decision -
Decision Reference DRN9384832
3 Jul 2019 NewDay Ltd Not upheldBanking and creditMrs A complains that NewDay Ltd (trading as Aqua) irresponsibly lent her money and gave her credit.backgroundMrs A says NewDay shouldn’t have allowed her to open a credit card account. If it’d checked her credit record it would’ve seen she already had other borrowing... (2 pages)View decision -
Decision Reference DRN7315657
23 Jan 2019 NewDay Ltd UpheldBanking and creditMr O complains about the way NewDay Ltd (NewDay) handled some refunds to his Debenhams card following the cancellation of some airline tickets he’d bought. In particular he’s unhappy about the delays NewDay caused and the lack of updates he received, which he says has ca... (3 pages)View decision -
Decision Reference DRN-3280872
1 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3280872 The complaint Mr W complains that NewDay Ltd (trading as Aqua) has refused to refund payments he made to what he believed was a legitimate investments trading company (Elcurrency). These payments were made using Mr W’s NewDay Mastercard credit card. What happened The circumstan... (4 pages)View decision -
Decision Reference DRN-3521678
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3521678 The complaint Ms P has complained that NewDay Ltd trading as Marbles Card irresponsibly lent to her. What happened Ms P was provided with a Marbles branded credit card, which had an initial credit limit of £450, in May 2019. The credit limit on this account was increased on fiv... (3 pages)View decision -
Decision Reference DRN8764850
13 Jul 2018 NewDay Ltd UpheldBanking and creditMr G complains that NewDay Ltd placed a CIFAS marker against his name.backgroundIn May 2017 NewDay wrote to Mr G to say it was removing the use of his credit card facility due to a risk review of his account. It said he should continue to make at least the mi... (1 page)View decision -
Decision Reference DRN-2873482
7 Jul 2021 NewDay Ltd UpheldBanking and PaymentsPage 1 of 8The complaint Mr O complains that NewDay Ltd, trading as Aqua and Marbles (NewDay) irresponsibly provided him with two credit cards and limit increases on those cards, which increased his debt. What happened In August 2015, Mr O applied for an Aqua branded credit card with NewDa... (8 pages)View decision -
Decision Reference DRN-3224243
21 Dec 2021 NewDay Ltd Not upheldConsumer CreditDRN-3224243 The complaint Miss P complains that NewDay Ltd unfairly declined her claim under section 75 of the Consumer Credit Act 1974 (CCA). What happened In 2019 Miss P used her NewDay credit card to pay £1,000 towards dental treatment for her daughter, which cost a total of £2,000. Mis... (2 pages)View decision
