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 DRN6068647
18 Jul 2017 NewDay Ltd UpheldBanking and creditMr A complains that NewDay Ltd didn’t treat him correctly when he was experiencing financial difficulties.backgroundIn 2010 Mr A was having difficulties making his contractual repayments. Via his agent he put forward a proposal to NewDay under which he’d pay it less than... (2 pages)View decision -
Decision Reference DRN-3789932
3 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3789932 The complaint Mrs M complains that NewDay Ltd (“NewDay”) got her account balance wrong and caused distress and inconvenience when pursuing her for a debt. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll... (2 pages)View decision -
Decision Reference DRN9384832
3 Jul 2019 NewDay Ltd Not upheldBanking and creditMrs A complains that NewDay Ltd (trading as Aqua) irresponsibly lent her money and gave her credit.backgroundMrs A says NewDay shouldn’t have allowed her to open a credit card account. If it’d checked her credit record it would’ve seen she already had other borrowing... (2 pages)View decision -
Decision Reference DRN5669674
7 Aug 2014 NewDay Ltd Not upheldBanking and creditMs J complains that the rate of interest applied to her Marbles credit card by NewDay Ltd is excessive. She would like it to reduce the rate of interest applied and offer a reduced settlement figure.background Ms J had a credit card for a number of years, and the interest rate has incr... (2 pages)View decision -
Decision Reference DRN1994858
9 Oct 2017 NewDay Ltd Not upheldBanking and creditMrs S says NewDay Ltd (trading as Marbles) agreed to increase the credit limit on her credit card but then also increased the APR twice within a short time. She feels this is irresponsible lending and unfair and she’d like the APR reduced back to the original rate.... (2 pages)View decision -
Decision Reference DRN-2281697
9 Nov 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-2281697 The complaint Mr P complains that NewDay Ltd offered credit limit increases on his Aqua credit card, even though these weren’t affordable for him. What happened In April 2013 Mr P applied for an Aqua credit card. NewDay opened an account in his name with a credit limit of £500,... (3 pages)View decision -
Decision Reference DRN7948846
2 Mar 2021 NewDay Ltd Not upheldBanking and creditMr C complains that his credit card provider, NewDay Ltd, won’t refund transactions to a gaming app provider which he says he didn’t make or authorise. background Mr C held a credit card account with NewDay. On 19 June 2017 his card was used to make a small payment to a gaming app provider... (5 pages)View decision -
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