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-4961072
21 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4961072 The complaint Miss D is being represented by solicitors. She’s complaining about NewDay Ltd trading as Aqua because she says it lent irresponsibly by providing her with a credit card she couldn’t afford and going on to increase the limit. What happened In June 2017, Miss D o... (4 pages)View decision -
Decision Reference DRN-4746271
28 Jun 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4746271 The complaint Mr P is unhappy that NewDay Ltd (“NewDay”) won’t increase his credit limit. What happened Mr P has a credit card with NewDay; his credit limit is £300 and NewDay have refused to increase it. Mr P is frustrated and concerned about that decision. He’s explained that... (2 pages)View decision -
Decision Reference DRN4728581
29 Apr 2015 NewDay Ltd UpheldBanking and creditMr L complains that NewDay Ltd has mismanaged his loan account and did not provide him with clear answers to his questions.backgroundMr L took out a fixed sum loan agreement in October 2012 to finance an item of furniture. Mr L says that when his account was transfe... (2 pages)View decision -
Decision Reference DRN-3709217
20 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3709217 The complaint Ms M complains that NewDay Ltd trading as Aquacard (‘NewDay’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 4 February 2015 Ms M applied for a credit account with NewDay. She was given an initial credit limit of £100. The ... (4 pages)View decision -
Decision Reference DRN3309416
11 Feb 2015 NewDay Ltd Not upheldBanking and creditMrs D complains NewDay Ltd was wrong to apply late payment fees to her store card account and provided poor customer service.backgroundMrs D says she made regular monthly payments to her NewDay store card account – often double the monthly minimum required. But NewDay won’t accept tha... (3 pages)View decision -
Decision Reference DRN-4198047
6 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4198047 The complaint Mr C complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened In June 2021 Mr C applied for a Aqua credit card. NewDay approved the application and gave Mr C a card with an initial credit limit of £600. The credit limit was increased to £... (3 pages)View decision -
Decision Reference DRN-4260850
25 Oct 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4260850 The complaint Miss D complains NewDay Ltd lent to her irresponsibly. What happened Miss D opened the following accounts with NewDay, and was given the credit limits below: Credit card 1 Date Limit August 2018 £300 December 2018 £1,200 April 2019 £2,950 September 2019 £3,750 Jul... (5 pages)View decision -
Decision Reference DRN-3748450
8 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3748450 The complaint Miss D complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss D applied for a credit card with Aqua in 2016. It was approved with an initial credit limit of... (3 pages)View decision -
Decision Reference DRN8039242
28 Feb 2020 NewDay Ltd UpheldBanking and creditComplaintMrs L complains about the way NewDay Ltd closed down her credit card. BackgroundThe background to this complaint and my initial conclusions were set out in my provisional decision dated 24 December 2019. In my provisional decision I explained why I thought Mrs L’s complaint should... (3 pages)View decision -
Decision Reference DRN5227055
18 Nov 2015 NewDay Ltd Not upheldBanking and creditMr P complains that his credit card account was transferred to NewDay Limited without his consent. He also complains that the interest rate was increased.backgroundMr P had an account with a credit card provider. It transferred his account to NewDay in 2010. He complain... (2 pages)View decision
