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 2113 results
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Decision Reference DRN-2811671
12 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2811671 The complaint Miss O complained that NewDay Ltd (trading as Aqua) acted irresponsibly when agreeing to provide her with a credit card. She says that they increased the account limit on five occasions, causing her financial problems. What happened Miss O applied to NewDay for a... (6 pages)View decision -
Decision Reference DRN8462197
9 Nov 2015 NewDay Ltd Not upheldBanking and creditMr M complains that NewDay Ltd cancelled his direct debit which meant he fell behind in his payments. He wants NewDay to remove the adverse entries it has registered on his credit file.backgroundMr M took out a fixed term loan in 2012. NewDay took over the loan ... (2 pages)View decision -
Decision Reference DRN-2981332
4 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-2981332 The complaint In summary, Mr S has complained that NewDay Ltd trading as Aqua, irresponsibly provided him with a credit card and credit limit increases. What happened In January 2015, NewDay provided Mr S with a credit card. The initial credit limit was £600. In April 2015, the... (3 pages)View decision -
Decision Reference DRN5612203
21 May 2020 NewDay Ltd Not upheldBanking and creditComplaintMiss L complains that NewDay Ltd increased her credit limit without checking if it was affordable for her. She’s now in financial difficulties and her debt with NewDay isn’t decreasing because of the interest and charges being added to her account.BackgroundMiss L successfully app... (3 pages)View decision -
Decision Reference DRN-3691767
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3691767 The complaint Ms D complains that NewDay Ltd trading as Aqua have irresponsibly lent to her. Ms D 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 Ms D he... (4 pages)View decision -
Decision Reference DRN4171523
24 Jan 2019 NewDay Ltd UpheldBanking and creditMr D complains that NewDay Ltd didn’t register a default on his account at the same time as his other creditors. It affected his rating.backgroundMr D had a credit card provided by NewDay. He got into difficulty with his payments. And in August 2010 he entered into a... (2 pages)View decision -
Decision Reference DRN-3821713
6 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3821713 The complaint Mrs N complains about how NewDay Ltd responded to a claim she made about a purchase on her credit card. What happened Mrs N bought tickets for a concert from a ticket agency (‘the supplier’) using her NewDay credit card. The concert was due to take place in August... (3 pages)View decision -
Decision Reference DRN0114071
12 Aug 2019 NewDay Ltd Not upheldBanking and creditMr D complains that although NewDay Ltd has passed his debt to a collection agency, it’s still asking him for money. He doesn’t want to be charged interest, and he doesn’t want to be charged twice.backgroundMr D contacted us because he thought something had gone wrong with payments to a cr... (2 pages)View decision -
Decision Reference DRN-5349124
20 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5349124 The complaint Mr G complains that NewDay Ltd 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 himself. What happen... (2 pages)View decision -
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
