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 DRN9473510
5 Aug 2016 NewDay Ltd UpheldBanking and creditMr P complains that NewDay Limited won’t refund to him the money that he paid for some car repairs. His complaint is made against NewDay under section 75 of the Consumer Credit Act 1974. background Mr P’s car had a blown head gasket in April 2015 which was repaired ... (3 pages)View decision -
Decision Reference DRN7169931
27 Jul 2018 NewDay Ltd Not upheldBanking and creditMr W complains NewDay Ltd has treated him unfairly by applying a default marker on his credit file after he says he did everything that was expected of him to settle the outstanding account. backgroundAs Mr W was experiencing some financial difficulties he approach... (3 pages)View decision -
Decision Reference DRN1180312
20 Dec 2017 NewDay Ltd Not upheldBanking and creditMr H has complained that NewDay Ltd sold his account while he was in a repayment plan.backgroundMr H had a card with NewDay. But he’s explained that because he was unable to work, he couldn’t keep up the repayments. Because of that, he entered into a repayment pl... (1 page)View decision -
Decision Reference DRN-3895586
1 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3895586 The complaint Mr S says NewDay Ltd irresponsibly lent to him. What happened This complaint is about two credit card accounts NewDay Ltd provided. The Marbles account was opened in July 2018. Mr S was given an initial credit limit of £1,200. This limit was increased four times u... (3 pages)View decision -
Decision Reference DRN-3193439
26 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3193439 The complaint Mr V complains that NewDay Ltd (NewDay) didn’t carry out appropriate checks when agreeing to lend to him. And that if it had, NewDay would’ve seen that the lending wasn’t affordable for him. Mr V is also unhappy with the way NewDay responded to his personal circum... (5 pages)View decision -
Decision Reference DRN-3083906
4 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3083906 The complaint Miss B is unhappy that NewDay Ltd, trading as Aqua, approved her for credit that wasn’t affordable for her at that time and later increased the limit on her credit account which also wasn’t affordable for her at that time. What happened Miss B applied for a NewDay... (4 pages)View decision -
Decision Reference DRN-1059615
4 Mar 2020 NewDay Ltd UpheldConsumer CreditDRN-1059615The complaintMs W complains that NewDay Limited failed to credit to her account a payment she sent to it by cheque. What happenedMs W had a credit account with NewDay. In December 2018 she sent NewDay a cheque for £250 to reduce the amount she owed it. In accordance with NewDay’... (3 pages)View decision -
Decision Reference DRN-3214320
15 Dec 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3214320 The complaint Mr B is unhappy with the standard of service he received from NewDay Ltd, trading as Aqua, following him informing them that he had mental health issues and that he was struggling financially, including that NewDay recorded a default on his credit file. What happe... (3 pages)View decision -
Decision Reference DRN4248177
30 Oct 2018 NewDay Ltd UpheldBanking and creditMr O complains about how NewDay Ltd has recorded his credit card account on his credit file.backgroundMr O said that he was no longer in work, because of health problems. He told NewDay about those problems, and it agreed not to pursue him for the outstanding de... (4 pages)View decision -
Decision Reference DRN-3757746
25 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3757746 The complaint Mr M has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr M opened a credit card account with NewDay (trading as Aqua) in April 2021. His credit limit was £900. In August 2021 it was increased to £1,200. Mr M is represented by... (2 pages)View decision
