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-4799021
15 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4799021 The complaint Mr R, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr R took out a credit card from NewDay in May 2015. He was given a credit limit of £250. This was then increased to £650 in August 2015 and to £1,250 in Apr... (3 pages)View decision -
Decision Reference DRN-3657343
19 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3657343 The complaint Mrs M complains that NewDay Ltd trading as Marbles Card has irresponsibly lent to her. Mrs M is represented by her husband in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments he has made as being made by Mrs M herself. Wh... (4 pages)View decision -
Decision Reference DRN-3930629
27 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3930629 The complaint Mr C complains that NewDay Ltd irresponsibly gave him a credit card account that he couldn’t afford. What happened On 23 November 2015, Mr C applied for a credit account with NewDay Ltd. The credit was approved with an initial credit limit of £450. There were thre... (2 pages)View decision -
Decision Reference DRN-5012786
11 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5012786 The complaint Mr G, through a representative, says NewDay Ltd irresponsibly lent to him. What happened Mr G applied for a credit card from NewDay in August 2019. It was approved with a limit of £1,200. He was then given five credit limit increases until his limit reached £8,... (3 pages)View decision -
Decision Reference DRN-6033027
22 Jan 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6033027 The complaint Mr S has complained NewDay Ltd, trading as Aqua, lodged a fraud-related marker on the industry fraud database, CIFAS, in his name. What happened Mr S understood that his credit card account with NewDay had been closed after a phone call with NewDay. He said he ... (3 pages)View decision -
Decision Reference DRN-2954415
18 Aug 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2954415 The complaint Mr E complains that he was declined for a credit card by NewDay Ltd (NewDay). What happened In September 2020, Mr E applied for an Amazon credit card from NewDay. They declined his application. Mr E complained. He wanted to know why he was declined. He now can’t g... (2 pages)View decision -
Decision Reference DRN6857712
6 Nov 2015 NewDay Ltd UpheldBanking and creditMr J complains that NewDay Limited (“NewDay”) won’t pay a refund for fraudulent transactions he says were made on his credit card account. backgroundMr J has described how he lost his credit card and reported it when he realised. Before he reported it lost it was u... (1 page)View decision -
Decision Reference DRN-4704782
20 Aug 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4704782 The complaint Miss H has complained that NewDay Ltd passed incorrect information to a third party, in respect of a default. What happened Miss H had an account with NewDay, which was subsequently passed to a third party. Miss H says that NewDay gave the third party unfair in... (1 page)View decision -
Decision Reference DRN4303776
24 Oct 2018 NewDay Ltd UpheldBanking and creditMr D complains about the service that he received from NewDay Limited in relation to his credit card account. He says that NewDay’s been unhelpful, ignored his request to change his payment due date, harassed him with phone calls and that he isn't happy with the ... (3 pages)View decision -
Decision Reference DRN4107809
15 Feb 2018 NewDay Ltd UpheldBanking and creditMr W complains that it was irresponsible for NewDay Limited to give him a credit card and then to increase his credit limit.backgroundMr W opened a credit card account with NewDay in 2014. Later that year he entered into a debt management plan and NewDay sold his acco... (2 pages)View decision