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-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 -
Decision Reference DRN6186706
9 Mar 2017 NewDay Ltd UpheldBanking and creditMr O’s complaint relates to a default registered by his credit card company NewDay Ltd (trading as Aqua) which he was not informed about. Mr O felt Aqua should have informed him of their intention and given him the opportunity to resolve the situation.backgroundMr ... (1 page)View decision -
Decision Reference DRN-5213600
17 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5213600 The complaint Miss M complains NewDay Ltd trading as Aqua irresponsibly lent to her. Miss M 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 Miss M her... (5 pages)View decision -
Decision Reference DRN-5176957
8 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5176957 The complaint Mrs G complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mrs G applied for an Aqua credit card in February 2022. Mrs G said she had an income of £12,000 ... (3 pages)View decision -
Decision Reference DRN-2262564
10 Nov 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-2262564 The complaint Mr G complains that NewDay Ltd trading as Aqua defaulted his account and registered the default with credit reference agencies without informing him. What happened Mr G had a credit card account with Aqua. He says he experienced financial difficulties in July 2019... (3 pages)View decision -
Decision Reference DRN-2762589
6 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2762589 The complaint Miss S is complaining about NewDay Ltd trading as Aqua. She says they lent to her irresponsibly when they gave her a credit card in August 2016, and again when they increased her credit limit in April 2017. What happened Miss S applied for an Aqua credit card in A... (3 pages)View decision -
Decision Reference DRN-4146151
30 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4146151 The complaint Miss C complains that NewDay Ltd trading as Aqua (“Aqua”) failed to refund a transaction she attempted from a cash machine that was faulty which impacted her credit file. What happened Miss C explained that she attempted to use an automated teller machine (ATM) to... (3 pages)View decision -
Decision Reference DRN-3454718
7 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3454718 The complaint Mr S has complained that NewDay Ltd trading as Marbles irresponsibly lent to him. What happened Mr S opened a credit card account with Marbles in July 2017. His credit limit was initially £450. In January 2018 his credit limit was increased to £1,200. Mr S, throu... (3 pages)View decision -
Decision Reference DRN-3022423
22 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3022423 The complaint Mrs S complains about NewDay Ltd trading as Aqua’s (“Aqua”) decision to increase her credit limit. What happened Mrs S was accepted for a credit card by Aqua in June 2019 and given an initial credit limit of £450. Mrs S says she used this account for gambling and... (3 pages)View decision
