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 2124 results
-
Decision Reference DRN-4928972
25 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4928972 The complaint Miss L complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional d... (4 pages)View decision -
Decision Reference DRN8631975
17 Sep 2014 NewDay Ltd Not upheldBanking and creditMiss H complains that NewDay Ltd did not change the address for her credit card account. As a result, she did not receive her statement and pay off her balance. Late payment fees and interest have been added to the sum owing, and Miss H’s credit file has been affected.our initial ... (2 pages)View decision -
Decision Reference DRN-2898809
29 Jun 2021 NewDay Ltd Not upheldConsumer CreditDRN-2898809 The complaint Mrs A complains that NewDay Ltd (“NewDay”) have refused to accept her claim that three transactions on her account were fraudulent. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on... (2 pages)View decision -
Decision Reference DRN-5467471
2 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5467471 The complaint Mr P complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr P applied for an Aqua credit card in August 2019. In his application, Mr P said he was earning... (3 pages)View decision -
Decision Reference DRN-4032621
5 Apr 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4032621 The complaint Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr S applied for a credit card with Aqua in March 2019. Aqua approved the application and gave Mr S a credit card with an initial credit limit of £900. Mr S says that Aqua lent... (2 pages)View decision -
Decision Reference DRN-5188094
18 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5188094 The complaint Mrs W complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved two credit card applications she made and increased the credit limit on one of the accounts. What happened Mrs W applied for a credit card with Aqua in May 2014. In her applica... (3 pages)View decision -
Decision Reference DRN7344378
31 Oct 2017 NewDay Ltd UpheldBanking and creditMr W complains that NewDay Ltd, trading as Aqua, irresponsibly increased the credit limit on his credit card.backgroundMr W took out an Aqua credit card in 2011 with a credit limit of £300. He says that limit was increased on a number of occasions up to £2350 in Novemb... (2 pages)View decision -
Decision Reference DRN6384956
30 Jun 2015 NewDay Ltd UpheldBanking and creditMrs H complains that NewDay Ltd rejected their claim under S 75 Consumer Credit Act 1974 in respect of a hotel booking.backgroundMrs H has a credit card with NewDay Ltd. In early August 2014 Mrs H booked a three day break in the hotel for herself, her husband and ... (2 pages)View decision -
Decision Reference DRN2762563
11 Jul 2014 NewDay Ltd Not upheldBanking and creditMr D complains that NewDay Ltd, trading as Opus, gave him incorrect information about a transfer of money into his account by a friend. He also complains that this original error was compounded by Opus making further mistakes.background Mr D says he called Opus to ask if a friend transf... (2 pages)View decision -
Decision Reference DRN5141255
23 May 2016 NewDay Ltd Not upheldBanking and creditMr H says NewDay Ltd has failed to explain the seven interest rate rises on his credit card from 2004 to 2014. It doesn’t have records to justify each increase and hasn’t responded appropriately to his requests for information.our initial conclusionsOur adjudicator didn... (2 pages)View decision
