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 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 -
Decision Reference DRN-3133587
2 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3133587 The complaint Ms L complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: M... (3 pages)View decision -
Decision Reference DRN3389092
16 Feb 2017 NewDay Ltd UpheldBanking and creditMrs S complains that NewDay Ltd (trading as “Marbles”) has not treated her fairly in that it wrongly blocked her credit card account, and charged interest on it, contrary to an undertaking it had made to her. She would like Marbles to reinstate her credit account and... (3 pages)View decision -
Decision Reference DRN-5337285
11 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5337285 The complaint Miss L complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss L applied for a credit card with Aqua in August 2021. In her application, Miss L said she ... (4 pages)View decision -
Decision Reference DRN-3996314
1 Mar 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3996314 The complaint Mr A complains about the behaviour of NewDay Ltd trading as Marbles (“Marbles”) in relation to a chargeback and a claim he made under Section 75 of the Consumer Credit Act 1974 (“Section 75”). What happened Mr A used his Marbles credit card to pay for a holiday. S... (4 pages)View decision -
Decision Reference DRN8524009
14 Oct 2015 NewDay Ltd UpheldBanking and creditMr W complains that NewDay Ltd (trading as Aqua) stopped his direct debit, which led to a missed payment. He also complains about the level of service he received from Aqua.backgroundMr W noticed that his direct debit to Aqua didn’t go through on 4 May 2015 and this... (2 pages)View decision -
Decision Reference DRN3150642
11 Jul 2014 NewDay Cards Ltd Not upheldBanking and creditMr T complains that NewDay Cards Limited (formerly Sav Credit Limited) removed his accrued cash- back and that it allowed transactions on his credit card account that took him over his credit limit. He wants charges applied for exceeding his credit limit to be refunded. our initial... (2 pages)View decision -
Decision Reference DRN3239583
28 Oct 2015 NewDay Cards Ltd Not upheldBanking and creditMr J has complained NewDay Cards Ltd, trading as Aqua, defaulted his credit card account even though he had made an arrangement with them to pay this debt.backgroundWhen Mr J found he wasn’t able to pay back what he owed on his Aqua credit card, he contacted them t... (1 page)View decision -
Decision Reference DRN4324357
24 Sep 2015 NewDay Ltd Not upheldBanking and creditMr A, represented by his solicitor, Mr C, says that the limit on his credit card provided by NewDay Ltd (trading as Opus) was increased on a number of occasions. He says this happened without any assessment as to whether the new limit was affordable.backgroundMr ... (2 pages)View decision -
Decision Reference DRN8365798
9 Jan 2019 NewDay Ltd Not upheldBanking and creditMrs C complains about the response of NewDay Ltd (“ND”) to her complaint about the price she was charged for items bought with her credit card.backgroundMrs C says she used her credit card to buy some concert tickets online through a third party business that I’ll c... (2 pages)View decision
