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-5757170
18 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5757170 The complaint Mrs L complains that NewDay Ltd lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs L applied for a NewDay credit card in November 2015. Due to the passage of time, the application Mrs L compl... (3 pages)View decision -
Decision Reference DRN9426572
13 Oct 2015 NewDay Ltd UpheldBanking and creditMr M complains NewDay Ltd has been asking others to try and recover a debt he believes he’d already paid off.backgroundMr M says he took out a store card in the 1990s and made regular payments towards it. He says that the direct debit used to pay the card was mist... (2 pages)View decision -
Decision Reference DRN-5644355
14 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5644355 The complaint Mr P has complained about the quality of a car he bought, in part using his NewDay Ltd credit card. What happened In May 2023, Mr P bought a used car. He paid the deposit using his NewDay credit card. Unfortunately, in May 2024, the car broke down as the timing... (3 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-3471150
16 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3471150 The complaint Mr O complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. What happened Mr O says that adequate checks weren’t carried out before he was provided with an Amazon credit card by NewDay. He says at the time he had several other cards. Ne... (3 pages)View decision -
Decision Reference DRN-4288479
25 Aug 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4288479 The complaint Mr Y complains that NewDay Ltd, trading as Burton, (“NewDay”) has failed to reimburse him for payments he didn’t make. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead, I’ll summarise what happe... (3 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-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 DRN-3504864
20 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3504864 The complaint Miss H complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss H was provided with an Aqua credit card with an initial credit limit of £300 and the credit limit was gradually increased to £2,500. She says that NewDay had not been prov... (4 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