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-2725549
26 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2725549 The complaint Mr F complains that NewDay Ltd (trading as Amazon) lent to him irresponsibly in providing a credit card. What happened Mr F applied for an Amazon credit card. The application was approved, and an account opened in May 2017, with a credit limit of £500. In April 2... (2 pages)View decision -
Decision Reference DRN5469319
23 Jul 2019 NewDay Ltd UpheldBanking and creditMiss M complains that NewDay Ltd (“ND”) trading as Aqua engaged in irresponsible lending to her.backgroundMiss M says in June 2014 she received her credit card from ND with a credit limit of £250. And she says the credit limit was increased to £550 in November 2014, £1,250 in May 2015, £2,... (5 pages)View decision -
Decision Reference DRN9432239
27 Mar 2014 Progressive Credit Limited UpheldPayment protection insurance (PPI)Mr T complains that NewDay Ltd (formerly Progressive Credit Limited), trading as OPUS, (‘Progressive’) mis-sold him a regular premium payment protection insurance (‘PPI’) policy in connection with a credit card he arranged in September 2003. Mr T has said no information was given to him... (3 pages)View decision -
Decision Reference DRN1593672
30 Jun 2015 NewDay Ltd Not upheldBanking and creditMr N complains NewDay Ltd (trading as Aqua) defaulted his account and sent incorrect letters.background Mr N entered into a credit card account with Aqua. He suffered financial difficulties and was unable to make the minimum payments. He says he spoke to Aqua and was ... (2 pages)View decision -
Decision Reference DRN5768864
10 Mar 2017 NewDay Ltd UpheldBanking and creditMr S complains that NewDay Ltd (trading as Aqua) was wrong to default his account and pass it to debt collectors without notice. backgroundAqua says the account fell into arrears. And it sent letters and statements to the address held on file, but Mr S didn’t respond... (2 pages)View decision -
Decision Reference DRN3974555
29 Nov 2018 NewDay Ltd UpheldBanking and creditMrs P complains about the service she’s received from NewDay Ltd (“ND”) in relation to her credit card account.background Mrs P says she received a phone call from a third party business that I’ll call Business A, during which she agreed to buy three web addresses ... (2 pages)View decision -
Decision Reference DRN7243278
16 Oct 2014 NewDay Ltd Not upheldBanking and creditMiss T has complained that NewDay Ltd, trading as marbles, has rejected her claim for the costs of a hotel stay. She paid for the hotel using her marbles credit card.backgroundIn 2013 Miss T had a long-term stay in a hotel. Over the time she was there, she was concerned about the standa... (2 pages)View decision -
Decision Reference DRN7674572
13 Jun 2018 NewDay Ltd Not upheldBanking and creditMs D complains that NewDay Ltd (trading as Aqua) (“Aqua”) won’t refund the cost of air tickets she bought (using her Aqua credit card), which she says were mis-sold to her. She brings her complaint under section 75 of the Consumer Credit Act 1974.backgroundIn April... (2 pages)View decision -
Decision Reference DRN-1133747
22 Apr 2020 NewDay Ltd UpheldBanking and PaymentsDRN-1133747The complaintThe estate of Ms A complains that NewDay Ltd (trading as Aqua) hasn’t paid cashback accrued on a credit card. What happenedThe late Ms A had an Aqua credit card that earned 0.5% cashback on certain transactions. On 27 December 2018 Mr A, Ms A’s son, called Aqua to n... (2 pages)View decision -
Decision Reference DRN-2223926
4 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2223926 The complaint Mr C complains about the phone calls he received from NewDay Ltd trading as Aqua (referred to as the business) enquiring about his exceeded credit limit and missed payment. Mr C says the unexpected calls caused him anxiety. He would like £300 compensation for the ... (4 pages)View decision