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 2553 results
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Decision Reference DRN4618012
13 Aug 2020 NewDay Ltd UpheldBanking and creditMr R complains about how NewDay Ltd (“NewDay”), trading as Aqua Card, dealt with him when he reported that he had lost his job. He wants NewDay to refund the charges and interest he incurred, to remove negative credit markers from his credit file, and to pay him compensation for his distre... (2 pages)View decision -
Decision Reference DRN4388987
23 Aug 2016 NewDay Ltd Not upheldBanking and creditMrs S complains that NewDay Ltd has held her liable for a transaction on her account, made abroad on 15 February 2016.Mrs S says she didn’t make or authorise the transaction but NewDay has refused to refund its value to Mrs S’ account.backgroundWhen Mrs S was abroad,... (2 pages)View decision -
Decision Reference DRN-4004916
7 Apr 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4004916 The complaint Miss W complains that NewDay Ltd trading as Aquacard rejected her disputed transaction claim. What happened Miss W used her Aqua credit card to pay for a travel experience. The event was cancelled by the merchant and rescheduled to a later date at a different loca... (2 pages)View decision -
Decision Reference DRN3790694
8 Feb 2016 NewDay Ltd UpheldBanking and creditMr E complains about a holiday product (‘Product B’) he bought using a credit card from NewDay Ltd. He brought his complaint to it under Section 75 of the Consumer Credit Act 1974.backgroundMr E says he bought Product B in October 2010 for £8,000 but it was mis-sol... (2 pages)View decision -
Decision Reference DRN3066480
22 Dec 2016 NewDay Ltd UpheldBanking and creditMr S has complained that NewDay Ltd unfairly recorded adverse information on his credit file.backgroundMr S had an account with NewDay. He called to clear the balance, and paid the amount he was told was outstanding. He therefore thought the account had been repaid in... (2 pages)View decision -
Decision Reference DRN1398443
24 Dec 2019 NewDay Ltd Not upheldBanking and creditMr S complains that NewDay Ltd is holding him liable for £1,987.57 of card payments which he says he didn’t make or otherwise authorise.what happenedOn 26 April 2017, a credit card account was opened in Mr S’s name using his full name, date of birth, address, phone numbers, and details of ... (5 pages)View decision -
Decision Reference DRN-3893711
11 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3893711 The complaint Ms R complains about the quality of a car she bought using a credit card supplied by NewDay Ltd (“NewDay”), trading as Marbles. What happened I issued my provisional decision on this complaint in December 2022. An extract from that provisional decision is set out ... (3 pages)View decision -
Decision Reference DRN7269537
7 Apr 2015 NewDay Ltd UpheldBanking and creditMiss G complained to NewDay Ltd about entries it had made on her credit file. She referred her complaint to us when she didn’t get any reply. our initial conclusionsOur adjudicator found out that NewDay hadn’t made any wrong entries on Miss G ’s credit file. But he felt Miss G had... (2 pages)View decision -
Decision Reference DRN-3164767
22 Nov 2021 NewDay Ltd UpheldConsumer CreditDRN-3164767 The complaint Mr W complains that NewDay Ltd charged him interest and late payment fees on money he doesn’t believe he owes. He would like all fees and charges refunded, his credit file amended and compensation for the distress and inconvenience. What happened The details of th... (2 pages)View decision -
Decision Reference DRN1215549
22 Feb 2016 NewDay Ltd UpheldBanking and creditMr C complains NewDay Ltd has told credit reference agencies his account defaulted in July 2010.backgroundMr C had a credit card account. He fell behind on his monthly payments and received a default notice dated 14 March 2009. At the time he owed just under £10,000... (2 pages)View decision