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
-
Decision Reference DRN-4727229
8 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4727229 The complaint Mr V complains NewDay Limited has not met its obligations in regard to a transaction he made to have his house painted and associated works. What happened In August 2022 Mr V talked with a company which said it provided house painting ... (5 pages)View decision -
Decision Reference DRN2102404
10 Apr 2019 NewDay Ltd UpheldBanking and creditMr G complains that NewDay Ltd gave him incorrect information about the balance on his account. He says as a result he’s incurred additional interest, which he’d like waived and any adverse information recorded against his credit record removed.background On 16 August... (3 pages)View decision -
Decision Reference DRN-2703769
6 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2703769 The complaint Miss L complains that NewDay Ltd trading as Aqua was irresponsible in offering her a credit card in 2015. She’d like it to write off the balance and to refund all the interest already paid. What happened Miss L applied for an Aqua credit card in September 2015. He... (3 pages)View decision -
Decision Reference DRN-5047877
23 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5047877 The complaint Mr T complains, through his representative, that NewDay Limited lent to him by approving a card he could not afford to pay off. Mr T says it lent irresponsibly when it increased his credit limits. He wants all interest, fees, and charges plus 8% interest refund... (4 pages)View decision -
Decision Reference DRN-3028657
6 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3028657 The complaint Ms M complains that NewDay Ltd (Newday) lent to her irresponsibly and shouldn’t have suspended her Aqua card in November 2020. What happened Ms M applied for an Aqua card in January 2014 and was given a limit of £250. Then, increases were agreed on the Aqua card, ... (4 pages)View decision -
Decision Reference DRN-3722035
27 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3722035 The complaint Mrs B complains that NewDay Ltd irresponsibly gave her an Amazon Mastercard credit card account that she couldn’t afford. For simplicity I will refer to the business as ‘NewDay’. What happened On 2 April 2020, Mrs B applied for a credit account with NewDay. She wa... (3 pages)View decision -
Decision Reference DRN-3932179
30 Jan 2023 NewDay Cards Ltd UpheldBanking and PaymentsDRN-3932179 The complaint Mr M complains that NewDay Cards Ltd (NewDay) defaulted his account and marked his credit file. What happened Mr M is very ill and is represented by his wife, Mrs M. But I will refer to Mr M as the complainant in this provisional decision. Mr M had a branded credi... (5 pages)View decision -
Decision Reference DRN-3224243
21 Dec 2021 NewDay Ltd Not upheldConsumer CreditDRN-3224243 The complaint Miss P complains that NewDay Ltd unfairly declined her claim under section 75 of the Consumer Credit Act 1974 (CCA). What happened In 2019 Miss P used her NewDay credit card to pay £1,000 towards dental treatment for her daughter, which cost a total of £2,000. Mis... (2 pages)View decision -
Decision Reference DRN-4640279
19 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4640279 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He also says that a default was unfairly applied to his account and NewDay didn’t correctly handle his previous complaints regarding a change of address and access to his accou... (3 pages)View decision -
Decision Reference DRN1185109
23 Apr 2018 NewDay Ltd Not upheldBanking and creditMr M has complained about the customer service he received from NewDay Ltd relating to his credit card.backgroundIn late 2017, Mr M was given a refund of just over £400 on some goods he bought with his NewDay credit card. He asked NewDay if this would change what... (2 pages)View decision