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 2101 results
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Decision Reference DRN-3115704
9 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3115704 The complaint Ms O complained that NewDay Ltd issued a default notice on her account and transferred the debt to a recovery agent when they shouldn’t have. What happened Ms O held a credit card account with NewDay that was dual branded with an online retailer. In April 2020, Ms... (3 pages)View decision -
Decision Reference DRN-2382680
24 Dec 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2382680 The complaint Mr H complains that NewDay Ltd, trading as Aqua, was irresponsible when it gave him his credit cards. What happened Mr H successfully applied for a credit card with NewDay in 2013 with a credit limit of £250. Later that year his credit limit increased to £1,050. I... (3 pages)View decision -
Decision Reference DRN-3146233
8 Jan 2022 NewDay Ltd Not upheldConsumer CreditDRN-3146233 The complaint Mr P is unhappy that NewDay Ltd won’t remove two defaults which were applied to his account. What happened Mr P held two credit card accounts with NewDay. In 2016 Mr P was unable to make payments because of his medical condition. Mr P says he thought he’d reached ... (2 pages)View decision -
Decision Reference DRN-3616983
27 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3616983 The complaint Mr P complains that NewDay Ltd trading as Aqua has irresponsibly lent to him. What happened Mr P was approved for a branded NewDay credit card in June 2019 with an initial £900 credit limit. NewDay increased the credit limit on multiple occasions which I have deta... (4 pages)View decision -
Decision Reference DRN-2936011
10 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2936011 The complaint Ms T complains that NewDay Ltd irresponsibly allowed her to open a credit card account which was unaffordable and also increased the credit limits. What happened Ms T says she shouldn’t have been allowed to open the NewDay credit card account in 2017 and it didn’t... (3 pages)View decision -
Decision Reference DRN-3497810
25 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3497810 The complaint Mr S complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr S in October 2016. They initially provided a credit limit of £300 but in ... (3 pages)View decision -
Decision Reference DRN-3630737
4 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3630737 The complaint Mr J complains that NewDay Ltd have irresponsibly lent to him. Mr J is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr J himself. What happened Mr J ... (4 pages)View decision -
Decision Reference DRN0533449
2 Dec 2015 NewDay Ltd Not upheldBanking and creditMr M complains that NewDay Ltd sent him a letter about his credit card account when he thought it was closed. He says the account should have been closed when he paid off the balance in 2014.Further he says his credit file has been affected because NewDay didn’t clo... (2 pages)View decision -
Decision Reference DRN-3621851
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3621851 The complaint Mr B complains that NewDay Ltd (“NewDay”) irresponsibly granted him an Aqua credit card that he couldn’t afford to repay. What happened Mr B entered into an agreement with NewDay to have access to credit with an Aqua credit card account. The account was opened in ... (3 pages)View decision -
Decision Reference DRN-2596535
3 Mar 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2596535 The complaint Miss I is unhappy that NewDay Ltd approved her for a series of new credit facilities, which she believes were unaffordable for her at that time. What happened In November 2019, Miss I applied for four different credit cards with four different retailers. However, ... (2 pages)View decision
