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 DRN7613694
13 Dec 2018 NewDay Ltd Not upheldBanking and creditMr B complains that NewDay Ltd was irresponsible in approving his application for a credit card and that it has recorded a default marker on his credit file.backgroundMr B missed a number of payments on his credit card with NewDay. This led to a default marker being ... (3 pages)View decision -
Decision Reference DRN2935752
17 Aug 2015 NewDay Ltd UpheldBanking and creditMr H complains that NewDay Ltd increased the interest rate on his credit card without notification. So he didn’t have a chance to opt out of any interest rate increases. He wants NewDay to pay him compensation for this.backgroundNewDay didn’t uphold Mr H’s complaint, so... (3 pages)View decision -
Decision Reference DRN-4090362
11 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4090362 The complaint Mr A complains that NewDay Ltd trading as Fluid Credit Card won’t refund money he says he didn’t receive from a cash machine. What happened Mr A says he tried to use a cash machine to take out money on 27 June 2022. But that no money was dispensed, and his card w... (3 pages)View decision -
Decision Reference DRN4175357
27 Aug 2015 NewDay Ltd Not upheldBanking and creditMrs H complains because NewDay Ltd has refused her request for a refund.“M”, a limited company, represents Mrs H in her complaint.our initial conclusionsOur adjudicator looked at Mrs H’s complaint that NewDay should give her compensation because of the rights she has... (1 page)View decision -
Decision Reference DRN-3626947
9 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3626947 The complaint Mr P complains that NewDay Ltd trading as Aqua rejected his chargeback request. What happened In April 2021 Mr P booked a cottage holiday from a supplier and paid using his Aqua card. The holiday was due to begin on 7 May 2021. After completing the booking, Mr P r... (3 pages)View decision -
Decision Reference DRN3863307
30 Nov 2015 NewDay Ltd Not upheldBanking and creditMr Z complains that NewDay Limited blocked his credit card and didn’t provide him with an acceptable explanation.backgroundMr Z has a credit card account with NewDay. It was blocked in July 2015 because NewDay wanted to review the account because of concerns about p... (2 pages)View decision -
Decision Reference DRN-4821174
28 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4821174 The complaint Mr B is complaining about NewDay Ltd because he says it lent irresponsibly when giving him two credit cards and then going on to increase the credit limits on both. What happened In February 2019, following his application, Mr B was given an Aqua credit card with ... (5 pages)View decision -
Decision Reference DRN-3704837
11 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3704837 The complaint Mrs B complains that NewDay Ltd unfairly declined her claim under the Consumer Credit Act 1974 (“CCA”). What happened In September 2015, Mrs B, along with her husband, bought membership with a holiday club called “E” 1 . The total cost of the membership was £10,50... (6 pages)View decision -
Decision Reference DRN2378075
25 Apr 2016 NewDay Ltd Not upheldBanking and creditMiss D complains about some disputed transactions on her account and the subsequent service received from NewDay Limited.backgroundIn July 2015, having been requested by Miss D, NewDay sent a new card and PIN to Miss D. But Miss D says that these were never received. ... (2 pages)View decision -
Decision Reference DRN-4961072
21 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4961072 The complaint Miss D is being represented by solicitors. She’s complaining about NewDay Ltd trading as Aqua because she says it lent irresponsibly by providing her with a credit card she couldn’t afford and going on to increase the limit. What happened In June 2017, Miss D o... (4 pages)View decision
