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-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 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 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 -
Decision Reference DRN5431020
20 Oct 2017 NewDay Ltd UpheldBanking and creditMr K complains about some disputed transaction on his account with New Day Ltd.background Mr K complained that two transactions, totalling just over £6000 were neither made by him nor authorised by him. But when NewDay did not uphold his complaint, he brought it to th... (1 page)View decision -
Decision Reference DRN-4290723
1 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4290723 The complaint Ms P complains that NewDay Ltd, trading as Aqua, who I’ll call “NewDay”, were unreasonable to reject a claim she made to them under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened The details of this complaint are well known to both partie... (2 pages)View decision -
Decision Reference DRN-4473269
30 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4473269 The complaint Mr M has complained about NewDay Ltd (trading as Aqua) holding him liable for a credit card which he says he didn’t take out. What happened Both sides are most familiar with the case, so I’ll summarise what happened in brief. In January 2019, an Aqua credit card w... (3 pages)View decision -
Decision Reference DRN6745589
25 Apr 2016 NewDay Ltd Not upheldBanking and creditMr A says that NewDay Ltd (trading as Opus) continued to change him interest after his card was blocked and couldn’t be used for purchases. He asks for ten years’ interest to be refunded.our initial conclusionsOur adjudicator didn’t recommend the complaint should be up... (2 pages)View decision -
Decision Reference DRN3179651
27 Mar 2017 NewDay Ltd Not upheldBanking and creditMs I is unhappy that NewDay Ltd won’t reimburse her for a claim she’s made under section 75 of the Consumer Credit Act.backgroundIn July 2013 Ms I made a payment of £1,500 to a third party so her parents’ timeshare points could be resold and transferred out of their ... (2 pages)View decision -
Decision Reference DRN0568796
1 Jun 2018 NewDay Ltd Not upheldBanking and creditMr B is unhappy NewDay Ltd (trading as Marbles Card) gave him a credit card account without taking into account his circumstances.backgroundMr B applied for a credit card from Marbles. But it gave him a different card with a higher interest rate. Mr B said Marbles didn’t... (4 pages)View decision
