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-3190357
13 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3190357 The complaint Mrs M complains NewDay Ltd (NewDay) failed to honour a claim she brought under section 75 of the Consumer Credit Act 1974 (“CCA”). The complaint was brought to us by Mr and Mrs M however the payment in dispute was made from Mrs M’s credit card so I will mainly be ... (4 pages)View decision -
Decision Reference DRN2288599
3 Mar 2016 NewDay Ltd UpheldPayment protection insurance (PPI)Mr T has complained that NewDay Ltd mis-sold him a payment protection insurance (PPI) policy. backgroundMr T bought the PPI policy in 1998. The policy cost Mr T 65p for each £100 he owed on his credit card. If he’d successfully claimed on the policy, each month it... (3 pages)View decision -
Decision Reference DRN-2974908
1 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2974908 The complaint Miss H complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Miss H applied for an Aqua credit card from NewDay in April 2016. This was agreed with a limit of £250. The debt was passed to a debt collection agency in February 2019 and repaid i... (2 pages)View decision -
Decision Reference DRN5669674
7 Aug 2014 NewDay Ltd Not upheldBanking and creditMs J complains that the rate of interest applied to her Marbles credit card by NewDay Ltd is excessive. She would like it to reduce the rate of interest applied and offer a reduced settlement figure.background Ms J had a credit card for a number of years, and the interest rate has incr... (2 pages)View decision -
Decision Reference DRN8096531
21 Dec 2018 NewDay Ltd Not upheldBanking and creditMr Y complains that NewDay Ltd (“NewDay”) have refused to enter into a payment arrangement with him. He says this is having an impact on his credit rating.backgroundThis service upheld a complaint by Mr Y in January 2017 and interest and charges on his credit card ... (2 pages)View decision -
Decision Reference DRN-3473424
22 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3473424 The complaint Mr E has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr E opened a credit card account with NewDay (trading as Aqua) in December 2017. His credit limit was £450 and was never increased. Mr E says that NewDay shouldn’t have ... (2 pages)View decision -
Decision Reference DRN-3789932
3 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3789932 The complaint Mrs M complains that NewDay Ltd (“NewDay”) got her account balance wrong and caused distress and inconvenience when pursuing her for a debt. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll... (2 pages)View decision -
Decision Reference DRN6068647
18 Jul 2017 NewDay Ltd UpheldBanking and creditMr A complains that NewDay Ltd didn’t treat him correctly when he was experiencing financial difficulties.backgroundIn 2010 Mr A was having difficulties making his contractual repayments. Via his agent he put forward a proposal to NewDay under which he’d pay it less than... (2 pages)View decision -
Decision Reference DRN4477176
25 Mar 2015 NewDay Ltd UpheldPayment protection insurance (PPI)Mr K complains that NewDay Ltd (“NewDay”) mis-sold him a payment protection insurance (“PPI”) policy alongside a credit card in 2000.The policy was added to Mr K’s credit card account when the application for the card was filled in.backgroundOur adjudicator thought th... (3 pages)View decision -
Decision Reference DRN4032175
31 Oct 2014 NewDay Ltd UpheldBanking and creditMr A complains NewDay Ltd breached its contract with him. It put a prolonged block on his account which was unnecessary and caused him a financial loss as well as distress.our initial conclusionsThe adjudicator didn’t consider NewDay had made an error when it put a block on the ... (2 pages)View decision
