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-3167217
26 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3167217 The complaint Miss G 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 G applied for a credit card with Aqua in April 2020. In her application, Miss G said she was ... (2 pages)View decision -
Decision Reference DRN9432239
27 Mar 2014 Progressive Credit Limited UpheldPayment protection insurance (PPI)Mr T complains that NewDay Ltd (formerly Progressive Credit Limited), trading as OPUS, (‘Progressive’) mis-sold him a regular premium payment protection insurance (‘PPI’) policy in connection with a credit card he arranged in September 2003. Mr T has said no information was given to him... (3 pages)View decision -
Decision Reference DRN6598283
27 Jun 2014 NewDay Ltd UpheldBanking and creditMiss A complains that she has suffered financial loss as a result of incorrect information that was provided by NewDay Ltd (trading as Aqua).backgroundI set out the background to this complaint in my provisional decision. I concluded that the complaint should be upheld in part because I... (2 pages)View decision -
Decision Reference DRN7268988
16 Mar 2020 NewDay Ltd Not upheldBanking and creditMr K complains about NewDay Ltd (Aqua) following his application for a credit card account. He says it was agreed he would have two interest free balance transfers, one for 6 months and one for 9 months, but despite this he complains he’s been charged two lots of interest.backgroundThe inv... (2 pages)View decision -
Decision Reference DRN-5155815
13 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5155815 The complaint Ms C complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Ms C was approved for an Aqua credit card in April 2022 with a £1,200 credit limit. Ms C says this was irresponsibly lent to her. Ms C made a complaint to Aqua, who did not ... (3 pages)View decision -
Decision Reference DRN-4512640
13 Dec 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4512640 The complaint Miss G complains that NewDay Ltd (trading as Pulse) was irresponsible to approve her credit card applications. What happened Miss G was approved for two credit cards with Pulse as follows: Card Name Date Amount Argos 6 Dec 2019 £900 Pulse 14 Jan 2020 £600 Miss G s... (3 pages)View decision -
Decision Reference DRN-3890297
16 Feb 2023 NewDay Ltd UpheldConsumer CreditDRN-3890297 The complaint Mr D complains about a default recorded on his credit file by NewDay Ltd trading as Aqua. What happened Mr D had a credit card with Aqua that fell into arrears. On 29 September 2017 Aqua sent Mr D a Default Notice that said he had until 21 October 2017 to clear t... (2 pages)View decision -
Decision Reference DRN1989763
26 Oct 2016 NewDay Ltd UpheldBanking and creditMr S has complained NewDay Ltd, trading as Marbles Card, is expecting him to pay £6,633.34. But the secondary cardholder on his credit card, Mrs S, only authorised a transaction of £800.backgroundMrs S got a call from her son on 8 July 2015. He was overseas and ne... (2 pages)View decision -
Decision Reference DRN7404930
25 Jan 2018 NewDay Ltd Not upheldBanking and creditMr W complains that NewDay Ltd trading as (Marbles) failed to provide him with assistance when he told them he was suffering from financial difficulties which resulted in a default being registered on his account. backgroundIn October 2016 Mr W opened a credit card acc... (2 pages)View decision -
Decision Reference DRN-2818074
26 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2818074 The complaint Mr T complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card then increased the credit limit a few months later. What happened In September 2018 Mr T applied for a credit card with Marbles. The application said Mr T lived ... (2 pages)View decision
