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 DRN8059001
19 Dec 2018 NewDay Ltd UpheldBanking and creditMr C complains that even though he made a payment on time to his card account NewDay Ltd posted it late. He was charged interest and fees. He was unhappy with the level of service after he complained.backgroundMr C made two payments on his card account on 1 Ju... (2 pages)View decision -
Decision Reference DRN-5085899
16 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5085899 The complaint Mrs B is being represented by solicitors. She’s complaining about NewDay Ltd trading as Aqua because she says it lent irresponsibly by providing with a card she couldn’t afford and then going on to increase the credit limit. What happened Mrs B opened a credit ... (3 pages)View decision -
Decision Reference DRN3080451
18 Dec 2018 NewDay Ltd Not upheldBanking and creditMs K complains that NewDay Ltd (t/a Debenhams) incorrectly applied a £96 default fee plan to her account and has charged her interest on this at 31.485%.To settle matters she’d like the default fee plan removed from her account and for the £96 fee and interest char... (3 pages)View decision -
Decision Reference DRN4162394
20 Jul 2016 NewDay Ltd UpheldBanking and creditMrs A complains that NewDay Ltd didn’t accept her claim under S 75 Consumer Credit Act 1974 in respect of furniture.backgroundIn February 2013 Mrs A bought two sofas from a retailer I’ll call D. She says that within six months the leather began to peel off. D repa... (2 pages)View decision -
Decision Reference DRN4412463
27 Mar 2020 NewDay Ltd Not upheldBanking and creditMr T complains that NewDay Ltd did not default his account when he entered a debt management plan.backgroundMr T had a credit card with NewDay. He says that in 2013 he fell into financial difficulties, and was unable to keep up with his minimum monthly payments. So he entered into a debt m... (2 pages)View decision -
Decision Reference DRN5050257
11 Aug 2016 NewDay Ltd Not upheldBanking and creditMr A’s son complains that NewDay Ltd sent his father a threatening letter about an outstanding debt. This is the second time it’s happened and it’s affecting his father’s health.backgroundMr A opened a store card account in the mid-1990s. He’s always paid the full bala... (2 pages)View decision -
Decision Reference DRN-3347198
4 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3347198 The complaint and what happened Ms L complains NewDay Ltd won’t refund the money she lost when she fell victim to a scam. The full details of this complaint are well known to both parties, so I won’t repeat them here. Instead, I’ll summarise the key points and focus on giving m... (3 pages)View decision -
Decision Reference DRN7081802
30 Oct 2014 NewDay Ltd Not upheldBanking and creditMr M complains that NewDay Ltd declined his claim under section 75 of the Consumer Credit Act 1974.backgroundMr M has a credit card issued by NewDay Ltd.Mr M bought a timeshare which he subsequently had reason to complain about. Mr M asked a third party to help him recover the monies... (1 page)View decision -
Decision Reference DRN7573921
4 Dec 2014 NewDay Ltd Not upheldBanking and creditMr H complains Newday Ltd (trading as Aqua) should refund the cost of his holiday under section 75 of the Consumer Credit Act 1974. our initial conclusionsOur adjudicator says for section 75 to apply there has to be an unbroken relationship between the debtor (Mr H), the credito... (2 pages)View decision -
Decision Reference DRN1208376
28 Nov 2014 NewDay Cards Ltd Not upheldBanking and creditMr E complains about the interest applied to his account by NewDay Cards Ltd after he paid off the balance due. our initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He was not persuaded that Mr E had asked NewDay to close his account. This m... (2 pages)View decision
