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 DRN6019964
12 May 2015 NewDay Ltd Not upheldBanking and creditMr S complains that NewDay Ltd has wrongly allowed him to exceed his credit limit and charged a fee. backgroundMr S has said NewDay has allowed transactions which have taken him over his credit limit and it should not do this. He wants NewDay only to authorise transa... (2 pages)View decision -
Decision Reference DRN-3377086
10 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3377086 The complaint Miss B complains that NewDay Ltd trading as Aqua gave her credit that she couldn’t afford to pay back. What happened Miss B applied for a credit card in May 2017. It was approved with an initial limit of £300. Miss B was given five further credit increases. In Sep... (3 pages)View decision -
Decision Reference DRN-5621034
13 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5621034 The complaint Mr B complains that NewDay Ltd irresponsibly lent to him. What happened Mr B was approved for an NewDay credit card (which I will refer to as A in this decision), in March 2021 with a credit limit of £450. The credit limit was increased to £1,450 in July 2022. ... (6 pages)View decision -
Decision Reference DRN-3593868
16 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3593868 The complaint Miss P complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her a credit card that she couldn’t afford to repay. What happened Miss P entered into an agreement with NewDay to have access to credit with an Aqua credit card account. The accou... (3 pages)View decision -
Decision Reference DRN7212145
11 Mar 2016 NewDay Ltd Not upheldBanking and creditMr M complains that NewDay Limited won’t refund to him the money that he paid for some flights. His complaint is made against NewDay under section 75 of the Consumer Credit Act 1974. backgroundMr M used a credit card provided by NewDay to pay £347.70 for some flights... (2 pages)View decision -
Decision Reference DRN0211170
5 Nov 2015 NewDay Ltd UpheldBanking and creditMiss J says NewDay Ltd didn’t recognise her financial difficulties despite her writing to them more than once. And it refused to let her repay £1 each month. She wants compensation for the stress and trauma which has impacted her health.background Miss J opened a ... (2 pages)View decision -
Decision Reference DRN9592624
21 Feb 2017 NewDay Ltd UpheldBanking and creditMrs U complains that NewDay Ltd rejected her claim under Section 75 Consumer Credit Act 1974 in respect of a door.backgroundIn April 2016 Mrs U met with a salesman from a company I’ll call S who gave her a quote for a new door for some £3,300. Mrs U agreed the ... (2 pages)View decision -
Decision Reference DRN-5653997
27 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5653997 The complaint Mr P has argued that NewDay Ltd trading as Aqua gave him a credit card and subsequent limit increases, he couldn’t afford to repay. What happened In January 2014 NewDay agreed a credit card with an initial £100 limit. The limit was then increased on the followi... (6 pages)View decision -
Decision Reference DRN-4332016
20 Sep 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4332016 The complaint Mrs B complains that NewDay Ltd discriminated against her on the basis of her gender when reducing her credit limit on her credit card, She was also unhappy with NewDay’s explanations and lack of customer care. What happened In August 2022 Mrs B received a text (l... (3 pages)View decision -
Decision Reference DRN-4915756
2 Aug 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4915756 The complaint Mrs S complains that NewDay Ltd failed to treat her fairly when it blocked a transaction she attempted to make on her credit card to allow a fraud check to be completed. What happened Mrs S holds a credit card provided by NewDay. In October 2023 she contacted N... (3 pages)View decision