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 2421 results
-
Decision Reference DRN1642438
29 Apr 2019 NewDay Ltd UpheldBanking and creditMr G 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 29 March 2019 – a c... (6 pages)View decision -
Decision Reference DRN-3760006
4 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3760006 The complaint Ms W complains NewDay Ltd trading as Marbles won’t refund her for transactions she didn’t make. What happened Ms W allowed her grandson to buy some in game currency for an online game using her Marbles card on two occasions, each for £7.99. When Ms W received her ... (2 pages)View decision -
Decision Reference DRN4832954
30 Jan 2017 NewDay Ltd UpheldBanking and creditMr A complains that NewDay Ltd, trading as Aqua, won’t refund the cost of goods he bought, using his Aqua credit card. He brings his complaint under section 75 of the Consumer Credit Act 1975.backgroundMr A purchased an amplifier, costing £1,600, using his credit ca... (2 pages)View decision -
Decision Reference DRN7919716
23 Dec 2019 NewDay Ltd UpheldBanking and creditMr F has complained NewDay Limited, trading as Aqua, won’t pay the costs of repairing a ring which he bought for his wife. He made a claim to NewDay under section 75 of the Consumer Credit Act 1974.backgroundIn October 2017 when Mr F and his wife were travelling overseas, he bought a ring ... (2 pages)View decision -
Decision Reference DRN-3133587
2 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3133587 The complaint Ms L complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: M... (3 pages)View decision -
Decision Reference DRN-5337285
11 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5337285 The complaint Miss L 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 L applied for a credit card with Aqua in August 2021. In her application, Miss L said she ... (4 pages)View decision -
Decision Reference DRN-3707750
4 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3707750 The complaint Mr Y complains that in May 2021 he had cleared the balance on his credit card account with NewDay Ltd trading as Aqua (“Aqua”) and had requested the account to be closed. However, this was not done, and further interest was applied which he was not aware of. This ... (2 pages)View decision -
Decision Reference DRN1786507
13 Jan 2017 NewDay Ltd Not upheldBanking and creditMr B complains that NewDay Ltd rejected his claim under Section 75 Consumer Credit Act 1974 in respect of a car.backgroundMr B bought a car for £811 from a garage I’ll call N and he says that after a month it broke down. It was some 15 years old. He had it temp... (2 pages)View decision -
Decision Reference DRN8524009
14 Oct 2015 NewDay Ltd UpheldBanking and creditMr W complains that NewDay Ltd (trading as Aqua) stopped his direct debit, which led to a missed payment. He also complains about the level of service he received from Aqua.backgroundMr W noticed that his direct debit to Aqua didn’t go through on 4 May 2015 and this... (2 pages)View decision -
Decision Reference DRN3239583
28 Oct 2015 NewDay Cards Ltd Not upheldBanking and creditMr J has complained NewDay Cards Ltd, trading as Aqua, defaulted his credit card account even though he had made an arrangement with them to pay this debt.backgroundWhen Mr J found he wasn’t able to pay back what he owed on his Aqua credit card, he contacted them t... (1 page)View decision
