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 2165 results
-
Decision Reference DRN-2915539
8 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2915539 The complaint Mr H complains that NewDay Ltd trading as Opus lent irresponsibly when it approved his credit card and later increased the credit limit. Mr H also says Opus failed to help while he was experiencing financial difficulties. What happened The background to this compl... (3 pages)View decision -
Decision Reference DRN-5058569
6 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5058569 Complaint Mr D has complained about a credit card NewDay Ltd (trading as “Aqua”) provided to him. He says the credit card as well as the limit increase should not have been provided to him as they were unaffordable. Background Aqua provided Mr D with a credit card with an ... (3 pages)View decision -
Decision Reference DRN5320109
30 Dec 2015 NewDay Ltd Not upheldBanking and creditMr E complains about the way NewDay Ltd trading as aqua (“aqua”) increased the interest rate on his credit card. He also complains about charges that were added to his account, collection calls that were made to him and aqua referring to him by the wrong name.bac... (3 pages)View decision -
Decision Reference DRN-5587174
28 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5587174 The complaint Ms E complains NewDay Ltd trading as Aqua irresponsibly lent to her. Ms E 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 Ms E herself. What happe... (3 pages)View decision -
Decision Reference DRN-5158062
31 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5158062 The complaint Ms D complains about NewDay Ltd trading as Aqua’s actions when she fell into arrears on her credit card account. What happened In October 2023, Ms D agreed to a no fee arrangement when her account fell into arrears. She was requi... (3 pages)View decision -
Decision Reference DRN-5344658
11 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5344658 The complaint Mr A complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr A applied for a credit card with Aqua in September 2018. In his application, Mr A said he was ... (3 pages)View decision -
Decision Reference DRN-3474379
22 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3474379 The complaint Mr T complains that NewDay Ltd (trading as Aqua) won’t refund him for a transaction he says he didn’t agree to. He would like the transaction refunded. What happened Mr T has an Aqua credit card. He noticed a charge of his card of £34.99 to a software merchant for... (3 pages)View decision -
Decision Reference DRN7286215
5 Feb 2020 NewDay Ltd Not upheldBanking and creditMr H complains that a loan from NewDay Limited, trading as Aqua, wasn’t affordable for him and that it shouldn’t have been made to him. He also complains that the credit limit increases on his credit card account with Aqua weren’t affordable for him and that it should’ve made more checks. ... (3 pages)View decision -
Decision Reference DRN-4665658
19 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4665658 The complaint Mr M complains about several service issues concerning NewDay Ltd trading as Aqua (Aqua). What happened Mr M has a credit card from Aqua. In November 2023, several things caused him to complain. He tried to make a payment with his card but found it had been blocke... (4 pages)View decision -
Decision Reference DRN-4672071
23 Aug 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4672071 The complaint Mr G complains about how NewDay Ltd trading as Aqua (“Aqua”) dealt with his request for money back in relation to payments made to a travel company. Mr G also complains that they allowed his credit card account to exceed its credit limit and that his credit fil... (3 pages)View decision
