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 2553 results
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Decision Reference DRN-4214156
11 Oct 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4214156 The complaint Mr W complains that NewDay Ltd (‘NewDay’) shouldn’t have opened a credit card account for him because it was unaffordable. What happened In 2012 NewDay opened a credit card account for Mr W with an unknown credit limit. In 2013 NewDay increased Mr W’s credit lim... (2 pages)View decision -
Decision Reference DRN2726459
2 Sep 2016 NewDay Ltd UpheldPayment protection insurance (PPI)Mr W has complained that NewDay Ltd mis-sold him a payment protection insurance (PPI)policy.backgroundMr W bought the PPI policy in 1998, in connection with a credit card the policy cost was 65p for each £100 Mr W owed on his credit card. If he’d successfully claime... (3 pages)View decision -
Decision Reference DRN7596710
11 Mar 2019 NewDay Ltd UpheldBanking and creditMiss M complains that NewDay Ltd has treated her unfairly because it didn’t freeze interest and charges when she told it that she was having financial difficulties and was struggling to meet the monthly payments on her Marbles credit cardbackgroundMiss M called Ne... (2 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 DRN-3400771
12 May 2022 NewDay Ltd Not upheldConsumer CreditDRN-3400771 The complaint Mrs W complains that NewDay Ltd (NewDay) added markers to her credit file. What happened Mrs W had a Debenhams card (issued by NewDay). The limit was £500. It had a nil balance until February 2020 – when purchases of £125.99 were made. Further purchases were made ... (3 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 DRN-5812755
13 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5812755 The complaint Ms S complains that NewDay Ltd have irresponsibly lent to her. Ms S is represented by a Claims Management Company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Ms S herself. What h... (5 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-3598401
24 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3598401 The complaint Mr R is unhappy that NewDay Ltd placed a fraud marker against his name. What happened Mr R held a credit card with NewDay. In January 2019 several card payments were attempted to pay off the balance on Mr R’s account. Later, NewDay was informed by a third- party b... (2 pages)View decision -
Decision Reference DRN1119235
5 Aug 2019 NewDay Ltd UpheldBanking and creditMr A complains that NewDay Ltd acted irresponsibly when they gave him a credit card. And he says they shouldn’t have let him exceed his credit limit. To put things right he wants them to refund the interest and charges that were applied, plus 8% statutory interest.backgroundIn May 2014 Mr ... (3 pages)View decision