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-3178363
23 Feb 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3178363 The complaint Mr T complained because NewDay Ltd, trading as Aqua, charged him late payment fees on his credit card. What happened Mr T opened a NewDay account in January 2015. At that point, statements were produced around 24 th of each month, with the payments being due on 11... (3 pages)View decision -
Decision Reference DRN-2324293
7 Dec 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-2324293 The complaint Mr C’s complaint is that NewDay Ltd, trading as Aqua, didn’t provide him with the service it should have and that a marker has been unfairly applied to his credit file. What happened Mr C has an Aqua account. In February 2020, he spoke with an adviser about his ac... (3 pages)View decision -
Decision Reference DRN-5196251
3 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5196251 The complaint Mrs G complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Mrs G 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 Mrs G h... (3 pages)View decision -
Decision Reference DRN-2909798
6 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2909798 The complaint Ms Q complains that NewDay Ltd trading as Aqua (Aqua) lent to her irresponsibly. What happened Ms Q applied for a credit card from Aqua in July 2018 with a limit of £450. Further increases were agreed as follows: Date Limit July 2018 £450 November 2018 £1350 March... (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 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 DRN8312497
6 Jun 2014 NewDay Ltd Not upheldBanking and creditMr G complains that NewDay Ltd (trading as Opus) did not give him the required notice for changes to the interest rate on his credit card account. He says the same is true of the previous provider of the account, which I refer to “B”, before it was transferred to Opus. Mr G wants Opus ... (1 page)View decision -
Decision Reference DRN-5276883
11 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5276883 The complaint Mr P complains NewDay Ltd trading as Fluid Mastercard irresponsibly lent to him. Mr P 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 Mr... (3 pages)View decision -
Decision Reference DRN-2821327
19 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2821327 The complaint Mr H complains that NewDay Ltd (trading as Aquacard) incorrectly processed a chargeback request. What happened Mr H ordered some goods online in July 2020 but didn’t collect them as he no longer needed them. He waited for a refund from the merchant but didn’t rec... (4 pages)View decision -
Decision Reference DRN-5076125
21 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5076125 The complaint Mr S complains that NewDay Ltd trading as BIP lent irresponsibly when it approved his credit card application and went on to increase the credit limit. What happened Mr S applied for a credit card with BIP in January 2022. In his application, Mr S said he was ... (3 pages)View decision
