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-3618645
12 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3618645 The complaint Miss K, who is represented by a third party, complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her a credit card that she couldn’t afford to repay. What happened Miss K entered into an agreement with NewDay to have access to credit with ... (3 pages)View decision -
Decision Reference DRN-2804177
24 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2804177 The complaint Ms M complains that NewDay Ltd irresponsibly allowed her to open two credit card accounts which were unaffordable. What happened Ms M says she opened two NewDay credit card accounts in 2020. She says the lending was unaffordable and NewDay didn’t carry out any che... (2 pages)View decision -
Decision Reference DRN-3548748
17 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3548748 The complaint Mr G complains that NewDay Ltd trading as Aqua have irresponsibly lent to him. Mr G is represented by a claims management company 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 G hi... (3 pages)View decision -
Decision Reference DRN-3932839
8 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3932839 The complaint Mr O complains that NewDay Ltd hasn’t refunded the amount, he paid on his credit card for a faulty item. What happened In May 2021 Mr O used his credit card to order several items on an online marketplace, owned by a business (who I’ll call ... (3 pages)View decision -
Decision Reference DRN-2877665
17 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2877665 The complaint Mr F says that NewDay Ltd (“NewDay”) should not have increased the credit limit on his credit card on a number of occasions and that this was irresponsible lending and has caused him financial difficulties. He would like a refund for all interest and charges, his ... (6 pages)View decision -
Decision Reference DRN4432342
16 Feb 2017 NewDay Ltd UpheldBanking and creditMr H complains that NewDay Ltd issued a default notice after it had sold his debt.backgroundThe adjudicator has set out the background to this complaint in some detail and there is no need to repeat it here. In short Mr H fell into financial difficulties in 2011. H... (2 pages)View decision -
Decision Reference DRN-5173143
4 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5173143 The complaint Mr R complains that NewDay Ltd irresponsibly lent him money on a credit card. What happened Mr R applied for a credit card with NewDay in September 2019. NewDay offered him a card with an initial credit limit of £1,200. NewDay subsequently increased the credit ... (3 pages)View decision -
Decision Reference DRN5856142
20 May 2015 NewDay Ltd UpheldBanking and creditMiss T complains about the way that NewDay Ltd has handled her account. She wants it to buy back her account and give her compensation.backgroundMiss T has a store card account and set up a direct debit to pay off the minimum amount each month. Her card expired and ... (3 pages)View decision -
Decision Reference DRN-3789164
7 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3789164 The complaint Mr G complains about arrears information recorded on his credit file by NewDay Ltd. What happened Mr G opened a credit card with NewDay in March 2018. Mr G later experienced some financial difficulties and fell into arrears. Mr G went on to arrange a Debt Manageme... (2 pages)View decision -
Decision Reference DRN-3102246
23 Dec 2021 NewDay Ltd UpheldConsumer CreditDRN-3102246 The complaint Mr H complains that NewDay Ltd (NewDay) closed his credit card account and charged him interest during payment holidays. What happened Mr H had a marbles loan and credit card from NewDay. The loan was for £2,400 payable over 24 months and was repaid. The credit ca... (3 pages)View decision
