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-4512745
14 Dec 2023 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-4512745 The complaint Mr K complains to Link Financial Outsourcing Limited (trading as Asset Link Capital (No. 7)) that the loan he had was lent irresponsibly. What happened Mr K took out a loan and a credit card with NewDay. In July 2021, Asset Link Capital bought the loan account fro... (3 pages)View decision -
Decision Reference DRN2102404
10 Apr 2019 NewDay Ltd UpheldBanking and creditMr G complains that NewDay Ltd gave him incorrect information about the balance on his account. He says as a result he’s incurred additional interest, which he’d like waived and any adverse information recorded against his credit record removed.background On 16 August... (3 pages)View decision -
Decision Reference DRN-2703769
6 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2703769 The complaint Miss L complains that NewDay Ltd trading as Aqua was irresponsible in offering her a credit card in 2015. She’d like it to write off the balance and to refund all the interest already paid. What happened Miss L applied for an Aqua credit card in September 2015. He... (3 pages)View decision -
Decision Reference DRN7948846
2 Mar 2021 NewDay Ltd Not upheldBanking and creditMr C complains that his credit card provider, NewDay Ltd, won’t refund transactions to a gaming app provider which he says he didn’t make or authorise. background Mr C held a credit card account with NewDay. On 19 June 2017 his card was used to make a small payment to a gaming app provider... (5 pages)View decision -
Decision Reference DRN-3028657
6 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3028657 The complaint Ms M complains that NewDay Ltd (Newday) lent to her irresponsibly and shouldn’t have suspended her Aqua card in November 2020. What happened Ms M applied for an Aqua card in January 2014 and was given a limit of £250. Then, increases were agreed on the Aqua card, ... (4 pages)View decision -
Decision Reference DRN0212100
28 May 2019 NewDay Ltd UpheldBanking and creditMiss R complains that NewDay Limited won’t refund to her the money that she paid for an overseas package holiday. Her complaint is made against NewDay under section 75 of the Consumer Credit Act 1974. backgroundMiss R used her NewDay credit card in August 2016 to pay ... (2 pages)View decision -
Decision Reference DRN-4727229
8 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4727229 The complaint Mr V complains NewDay Limited has not met its obligations in regard to a transaction he made to have his house painted and associated works. What happened In August 2022 Mr V talked with a company which said it provided house painting ... (5 pages)View decision -
Decision Reference DRN-5047877
23 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5047877 The complaint Mr T complains, through his representative, that NewDay Limited lent to him by approving a card he could not afford to pay off. Mr T says it lent irresponsibly when it increased his credit limits. He wants all interest, fees, and charges plus 8% interest refund... (4 pages)View decision -
Decision Reference DRN-4640279
19 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4640279 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He also says that a default was unfairly applied to his account and NewDay didn’t correctly handle his previous complaints regarding a change of address and access to his accou... (3 pages)View decision -
Decision Reference DRN-3932179
30 Jan 2023 NewDay Cards Ltd UpheldBanking and PaymentsDRN-3932179 The complaint Mr M complains that NewDay Cards Ltd (NewDay) defaulted his account and marked his credit file. What happened Mr M is very ill and is represented by his wife, Mrs M. But I will refer to Mr M as the complainant in this provisional decision. Mr M had a branded credi... (5 pages)View decision
