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
-
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 -
Decision Reference DRN-4290723
1 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4290723 The complaint Ms P complains that NewDay Ltd, trading as Aqua, who I’ll call “NewDay”, were unreasonable to reject a claim she made to them under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened The details of this complaint are well known to both partie... (2 pages)View decision -
Decision Reference DRN-3316244
13 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3316244 The complaint Mrs H complains that NewDay Ltd didn’t refund money she lost as part of a scam. What happened Mrs H was searching online for investment opportunities and came across a company I’ll call ‘E’. She was interested in investing with them because well-known celebrities ... (4 pages)View decision -
Decision Reference DRN5431020
20 Oct 2017 NewDay Ltd UpheldBanking and creditMr K complains about some disputed transaction on his account with New Day Ltd.background Mr K complained that two transactions, totalling just over £6000 were neither made by him nor authorised by him. But when NewDay did not uphold his complaint, he brought it to th... (1 page)View decision -
Decision Reference DRN0568796
1 Jun 2018 NewDay Ltd Not upheldBanking and creditMr B is unhappy NewDay Ltd (trading as Marbles Card) gave him a credit card account without taking into account his circumstances.backgroundMr B applied for a credit card from Marbles. But it gave him a different card with a higher interest rate. Mr B said Marbles didn’t... (4 pages)View decision -
Decision Reference DRN0216855
10 Dec 2014 NewDay Ltd UpheldBanking and creditMs D is unhappy about the interest and charges that have been added to a store card she took out with NewDay Ltd. In summary, she says that these additional fees should be cancelled as they were added to the initial balance of £45 (for the purchase of a dress) without her know... (2 pages)View decision -
Decision Reference DRN-5940507
10 Nov 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5940507 The complaint Miss T complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved two credit card applications she made and increased the credit limit on one of the accounts. What happened The background to this complaint and my initial conclusions were set... (4 pages)View decision -
Decision Reference DRN-6052123
2 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6052123 The complaint NewDay Ltd trading as Aqua (Aqua) provided Miss L with a credit card in 2024. It initially had a credit limit of £600. The credit limit was increased three times, with the final limit increase in April 2025 to £3,800. Miss L says the credit was provided irrespo... (2 pages)View decision -
Decision Reference DRN-1681281
7 Aug 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1681281The complaintMr O complains about the quality of a car he bought using a credit card supplied by NewDay Ltd (“NewDay”), trading as Aqua. He’s disappointed they haven’t considered a claim he made under section 75 of the Consumer Credit Act 1974 (“section 75”) and that a chargebac... (2 pages)View decision