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
-
Decision Reference DRN3101038
3 Sep 2019 NewDay Ltd UpheldBanking and creditMr W 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 13 August 2019 – a copy of which is attach... (5 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 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 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-5284931
26 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5284931 The complaint Mr M complains about the service he received from NewDay Ltd trading as Marbles. What happened Mr M has a credit card account with Marbles. As he has been experiencing financial difficulties, Marbles agreed to a payment holiday and then breathing space. Mr M is... (3 pages)View decision -
Decision Reference DRN3734017
24 Apr 2015 NewDay Ltd UpheldPayment protection insurance (PPI)Mr M complains that he was mis-sold a payment protection insurance (PPI) policy when he took out a credit card with NewDay Ltd, trading as ‘People’s Bank of Connecticut’. backgroundMr M applied for a credit card with People’s Bank of Connecticut (People’s Bank) in 2000 ... (3 pages)View decision -
Decision Reference DRN4357129
11 Sep 2017 NewDay Ltd UpheldBanking and creditMr S complains that NewDay Ltd (trading as Opus) failed to explain that payments to his credit card were allocated to the balances on the previous month’s statement. backgroundMr S has a credit card account with Opus. He had, over a period of time, taken advantage o... (3 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 -
Decision Reference DRN7967757
11 Nov 2020 NewDay Ltd UpheldBanking and creditMr H has complained that NewDay Ltd (“Aqua”) has told him his account is in arrears, even though the interest has been frozen. He would like the debt to be written off. He feels Aqua has discriminated against him, provided him with poor service and mismanaged his payment plan. background f... (3 pages)View decision -
Decision Reference DRN-5174982
27 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5174982 The complaint Mr L complains about NewDay Ltd’s response to his claim made under section 75 of the Consumer Credit Act 1974 (“section 75”), after he used his credit card to fund, in part, the purchase of a car. He says that the car was not of satisfactory quality. NewDay Ltd... (5 pages)View decision
