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 2123 results
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Decision Reference DRN-3893711
11 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3893711 The complaint Ms R complains about the quality of a car she bought using a credit card supplied by NewDay Ltd (“NewDay”), trading as Marbles. What happened I issued my provisional decision on this complaint in December 2022. An extract from that provisional decision is set out ... (3 pages)View decision -
Decision Reference DRN-4640736
11 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4640736 The complaint Mr H complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. What happened Mr H was provided with an Aqua credit card by NewDay with an initial credit limit of £600. The credit limit was increased on eight occasions resulting in a final ... (2 pages)View decision -
Decision Reference DRN1215549
22 Feb 2016 NewDay Ltd UpheldBanking and creditMr C complains NewDay Ltd has told credit reference agencies his account defaulted in July 2010.backgroundMr C had a credit card account. He fell behind on his monthly payments and received a default notice dated 14 March 2009. At the time he owed just under £10,000... (2 pages)View decision -
Decision Reference DRN-3364164
10 Mar 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3364164 The complaint Mrs C complains that NewDay Ltd (“NewDay”), has rejected the claim she made under section 75 of the Consumer Credit Act 1974 (“the Act”) in relation to a solar panel system she says were misrepresented to her by the supplier. Mrs C is represented by a claims manag... (3 pages)View decision -
Decision Reference DRN-5100659
3 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5100659 The complaint Mr R complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest, fees and charges refunded along with statutory interest and any adverse information removed from his credit file. Mr R is represented by a third party... (2 pages)View decision -
Decision Reference DRN2359748
10 May 2016 NewDay Ltd Not upheldBanking and creditMr B complains that NewDay Ltd (trading as Aqua) charged interest on his credit card account even though he paid the full amount in cash by the due date.backgroundI set out the background to this complaint in my provisional decision. In it I explained why I didn’t... (1 page)View decision -
Decision Reference DRN-3304032
28 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3304032 The complaint Mr A complains about the way NewDay Ltd trading as Fluid handled his claim under section 75 of the Consumer Credit Act 1974. What happened In February 2021 Mr A purchased a car and paid £500 of the £8000 purchase price using his Fluid credit card. The sale include... (3 pages)View decision -
Decision Reference DRN4346871
20 Nov 2017 NewDay Ltd Not upheldBanking and creditMiss B complains NewDay Ltd recorded her address incorrectly which meant she didn’t get credit card statements and had to make multiple phone calls.our initial conclusionsThe investigator said NewDay had recorded Miss B’s address incorrectly. But as it updated the addre... (2 pages)View decision -
Decision Reference DRN-2968482
20 Aug 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2968482 The complaint Mrs A complains that NewDay Ltd didn’t refund payments she disputed on her credit card account and has registered a default. What happened Mrs A contacted NewDay to report a number of payments made using her card in Amsterdam as fraudulent. These came to nearly £2... (4 pages)View decision -
Decision Reference DRN5671510
26 Oct 2017 NewDay Ltd Not upheldBanking and creditMr E complains that NewDay Ltd rejected his claim under Section 75 Consumer Credit Act 1974 in respect of an investment. He also claims it has been harassing him for payment of his bill.backgroundIn early 2017 Mr E paid £250 to a company I’ll call B for the purpo... (2 pages)View decision
