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 DRN8922837
15 Jul 2019 NewDay Ltd Not upheldBanking and creditMr T complains that after he agreed a payment plan with it NewDay Ltd, trading as Aqua,still closed his credit card account, issued a default and sent him letters asking it to get in touch.background In December 2017 Mr T fell into arrears with the payments on his Aqua credit card. In Mid-... (3 pages)View decision -
Decision Reference DRN0452995
16 Oct 2015 NewDay Cards Ltd UpheldBanking and creditMrs T complains that NewDay Cards Ltd trading as Laura Ashley Mastercard (“Laura Ashley”) transferred a balance of £950 twice to her previous credit card company. As a result, she’s incurred costs and has suffered distress and inconvenience.backgroundMrs T transferred a ... (2 pages)View decision -
Decision Reference DRN0282590
1 Jul 2019 Capital One (Europe) plc Not upheldBanking and creditMrs C complains about the service she received from the Capital One (Europe) plc (Capital One) when she closed her credit card account with them in March 2019.backgroundMrs C had two credit cards at the relevant time; one with Capital One and the other with NewDay. She was wanting to do a ... (2 pages)View decision -
Decision Reference DRN6830257
27 Aug 2019 NewDay Ltd UpheldBanking and creditMr B complains that NewDay Ltd (trading as Aqua) reduced the credit limit on his credit card and told him he had asked for the reduction.backgroundMr B says he received a text message from Aqua in January 2019 telling him the credit limit on his credit card was being reduced. He says he ca... (2 pages)View decision -
Decision Reference DRN7440614
8 Jul 2015 NewDay Ltd UpheldBanking and creditMrs T complains, in summary, that NewDay Limited, (“NDL”), has provided her with poor customer service.backgroundMrs T had a store card account with NDL to use at a store, Q. Mrs T received a statement from NDL showing that the balance due on her account was £88.20. ... (2 pages)View decision -
Decision Reference DRN0140630
2 Dec 2019 NewDay Ltd Not upheldBanking and creditMr B has complained NewDay Limited, trading as Aqua, won’t refund £189.99 he paid to a company for IT services on his Aqua credit card.backgroundIn June 2017 Mr B received a cold call from an IT company. They told him his computer was infected by viruses but they could sort this out for hi... (2 pages)View decision -
Decision Reference DRN-4478205
22 Feb 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4478205 The complaint Mr M has complained about NewDay Ltd’s, trading as Marbles, behaviour in respect of it ‘duplicating’ his credit card account. What happened Mr M took out a credit card account with Marbles. However, it appears it mistakenly, in effect, ‘duplicated’ the account. Th... (2 pages)View decision -
Decision Reference DRN-2725549
26 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2725549 The complaint Mr F complains that NewDay Ltd (trading as Amazon) lent to him irresponsibly in providing a credit card. What happened Mr F applied for an Amazon credit card. The application was approved, and an account opened in May 2017, with a credit limit of £500. In April 2... (2 pages)View decision -
Decision Reference DRN1593672
30 Jun 2015 NewDay Ltd Not upheldBanking and creditMr N complains NewDay Ltd (trading as Aqua) defaulted his account and sent incorrect letters.background Mr N entered into a credit card account with Aqua. He suffered financial difficulties and was unable to make the minimum payments. He says he spoke to Aqua and was ... (2 pages)View decision -
Decision Reference DRN5768864
10 Mar 2017 NewDay Ltd UpheldBanking and creditMr S complains that NewDay Ltd (trading as Aqua) was wrong to default his account and pass it to debt collectors without notice. backgroundAqua says the account fell into arrears. And it sent letters and statements to the address held on file, but Mr S didn’t respond... (2 pages)View decision
