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
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Decision Reference DRN-4325902
20 Dec 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4325902 The complaint Mr M complains that he’s been charged late payment fees by NewDay Ltd trading as Marbles due to his direct debit not being taken as a result of a system error. He’s also unhappy that his account was defaulted and terminated. What happened Mr M opened a credit card... (2 pages)View decision -
Decision Reference DRN7493643
31 Oct 2017 NewDay Ltd UpheldBanking and creditMiss M complains about the length of time taken by NewDay Ltd, trading as Aqua, to refund a duplicate payment. She also complains that NewDay Ltd has overcharged her.backgroundMiss M made two payments of £159 towards her Aqua credit card balance instead of one in Ju... (2 pages)View decision -
Decision Reference DRN-4699876
8 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4699876 The complaint Mr B complains that NewDay Ltd would not accept a credit card balance transfer from another provider. He says that it was not made clear that a transfer would not be possible, as a result of which he remains paying a high rate of interest. What happened Mr B has a... (2 pages)View decision -
Decision Reference DRN0978089
16 Mar 2017 NewDay Ltd Not upheldBanking and creditMr S complains NewDay Ltd (trading as Opus) registered a default on his credit file and sold his debt to a third party without telling him.backgroundMr S was experiencing financial difficulties and so contacted Opus in January 2012 to ask for the interest rate on hi... (2 pages)View decision -
Decision Reference DRN-4127073
12 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4127073 The complaint Mr C complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit on several occasions. What happened The background to this complaint and my initial conclusions were set out in my p... (4 pages)View decision -
Decision Reference DRN1642438
29 Apr 2019 NewDay Ltd UpheldBanking and creditMr G complains that NewDay Ltd (trading as Aqua) was irresponsible when it increased the credit limit on his credit card account. backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 29 March 2019 – a c... (6 pages)View decision -
Decision Reference DRN1786507
13 Jan 2017 NewDay Ltd Not upheldBanking and creditMr B complains that NewDay Ltd rejected his claim under Section 75 Consumer Credit Act 1974 in respect of a car.backgroundMr B bought a car for £811 from a garage I’ll call N and he says that after a month it broke down. It was some 15 years old. He had it temp... (2 pages)View decision -
Decision Reference DRN-3707750
4 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3707750 The complaint Mr Y complains that in May 2021 he had cleared the balance on his credit card account with NewDay Ltd trading as Aqua (“Aqua”) and had requested the account to be closed. However, this was not done, and further interest was applied which he was not aware of. This ... (2 pages)View decision -
Decision Reference DRN4832954
30 Jan 2017 NewDay Ltd UpheldBanking and creditMr A complains that NewDay Ltd, trading as Aqua, won’t refund the cost of goods he bought, using his Aqua credit card. He brings his complaint under section 75 of the Consumer Credit Act 1975.backgroundMr A purchased an amplifier, costing £1,600, using his credit ca... (2 pages)View decision -
Decision Reference DRN7919716
23 Dec 2019 NewDay Ltd UpheldBanking and creditMr F has complained NewDay Limited, trading as Aqua, won’t pay the costs of repairing a ring which he bought for his wife. He made a claim to NewDay under section 75 of the Consumer Credit Act 1974.backgroundIn October 2017 when Mr F and his wife were travelling overseas, he bought a ring ... (2 pages)View decision
