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-5348500
28 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5348500 The complaint Mr G complains that NewDay Ltd trading as Fluid declined a transaction on his credit card account. He’s also unhappy with the service provided. What happened In October 2024, Mr G says he attempted to make a payment for a parking ticket, but it ... (2 pages)View decision -
Decision Reference DRN-2705193
19 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2705193 The complaint Mr J complains that NewDay Ltd trading as Marbles (Marbles) lent to him irresponsibly. What happened Mr J applied for a Marbles credit card and this was issued in May 2016 with a limit of £300. In September 2016, the limit was increased to £950. In February 2018 t... (3 pages)View decision -
Decision Reference DRN-4450134
16 Feb 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4450134 The complaint Mr H complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened In February 2017, Mr H applied for a credit card with Marbles. In his application, Mr H said he wa... (3 pages)View decision -
Decision Reference DRN0070494
25 Mar 2018 NewDay Ltd Not upheldBanking and creditMr H is unhappy that New Day Ltd trading as Aqua increased his credit limit without completing a thorough credit assessment. backgroundI issued my provisional decision, which is attached to, and forms part of, this final decision in February 2018. In my provisional d... (5 pages)View decision -
Decision Reference DRN6826416
16 Aug 2017 NewDay Ltd UpheldBanking and creditMr L complains about NewDay Cards Ltd about charges applied to his credit card and the customer service he has received in respect of these. backgroundMr L has held a credit card with the business for some time. In mid February 2017 Mr L made a purchase which took h... (3 pages)View decision -
Decision Reference DRN-1610924
18 Aug 2020 NewDay Ltd UpheldBanking and PaymentsDRN-1610924The complaintMiss W complains that NewDay Ltd trading as Aqua sold her account to a third party and registered a default with credit reference agencies after she’d made an arrangement with it. What happenedMiss W had a credit card account with Aqua. She says she had health issue... (3 pages)View decision -
Decision Reference DRN-5518052
1 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5518052 The complaint Miss L complains NewDay Ltd trading as Aqua irresponsibly lent to her. Miss L is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss L herself. What... (4 pages)View decision -
Decision Reference DRN-4946679
2 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4946679 The complaint Miss H complains that NewDay Ltd trading as Aqua have irresponsibly lent to her. Miss H is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by ... (4 pages)View decision -
Decision Reference DRN-4602085
10 Dec 2024 NewDay Ltd Not upheldConsumer CreditDRN-4602085 The complaint Mr G has complained that NewDay Ltd, trading as Opus, acted unfairly and unreasonably by deciding against paying a claim made under s.75 of the Consumer Credit Act 1974 (“CCA”). What happened In November 2013, Mr G, alongside another, purchased holiday club mem... (4 pages)View decision -
Decision Reference DRN5578129
14 Aug 2019 NewDay Ltd UpheldBanking and creditMr C has complained that NewDay Ltd (trading as “Aqua”card) irresponsibly provided him with two credit cards in 2014 and 2018.backgroundI attach my provisional decision of 29 July 2019, which forms part of this final decision. In my provisional decision, I set out why I was intending to up... (6 pages)View decision
