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 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 DRN-5100659
3 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5100659 The complaint Mr R complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest, fees and charges refunded along with statutory interest and any adverse information removed from his credit file. Mr R is represented by a third party... (2 pages)View decision -
Decision Reference DRN-2968482
20 Aug 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2968482 The complaint Mrs A complains that NewDay Ltd didn’t refund payments she disputed on her credit card account and has registered a default. What happened Mrs A contacted NewDay to report a number of payments made using her card in Amsterdam as fraudulent. These came to nearly £2... (4 pages)View decision -
Decision Reference DRN-4665679
7 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4665679 The complaint Mr N complains that NewDay Ltd (“NewDay”) failed to uphold his claim under section 75 of the Consumer Credit Act 1974 (“CCA”) in relation to payments he made using his credit card to purchase a timeshare product. What happened In or around May 2015, while on holid... (5 pages)View decision -
Decision Reference DRN-6023202
10 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6023202 The complaint Mr S complains about the way that NewDay Ltd (‘NewDay’) trading as AO Finance allocated payments to his account which he says has caused him financial loss. What happened Mr S had a rolling credit account with NewDay from which he could purchase goods from a bu... (3 pages)View decision -
Decision Reference DRN3924532
5 Aug 2019 NewDay Ltd Not upheldBanking and creditMr K complains NewDay Ltd (trading as Aqua) is charging him at least £50 to £60 more interest than it says on his mobile app.backgroundMr K says that every month he is being overcharged around £50 interest. He says he asks how much the interest is going to be but then his mobile app says h... (2 pages)View decision -
Decision Reference DRN5640430
30 Sep 2014 NewDay Ltd Not upheldBanking and creditMrs N has complained that NewDay Ltd cannot expect her to pay a debt on a store card when the card was in her husband’s name.backgroundIn 2010 Mrs N complained to the finance company responsible for managing the store cards of a specific store that they could not pursue her for debts on ... (2 pages)View decision -
Decision Reference DRN5752855
26 Jan 2017 NewDay Ltd Not upheldBanking and creditMr K complains that NewDay Ltd imposed unfair fees and charges on his credit card account. backgroundIn April 2016 Mr K took out a credit card with NewDay. He set up a direct debit for £5 to cover his monthly payment, but on 15 May he increased this sum online. The o... (2 pages)View decision -
Decision Reference DRN-4456373
15 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4456373 The complaint Mrs K, who is represented by a professional representative (“PR”) complains that NewDay Ltd didn’t fairly and reasonably handle her claim under the Consumer Credit Act 1974 (“CCA”) in relation to a payment she made using her credit card for the purchase of a times... (4 pages)View decision -
Decision Reference DRN5658721
31 Mar 2015 NewDay Cards Ltd Not upheldBanking and creditMr B complains that NewDay Cards Ltd a trading partner of a retailer processed a credit application for him, potentially recording a search on his credit file, when he only wanted to check if he had a valid store card. He wants compensation and related searches remo... (2 pages)View decision