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-3477242
11 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3477242 The complaint Mr M complains that NewDay Ltd (“NewDay”) irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr M in February 2015. They initially provided a credit limit of £250 but in August 2015 they i... (3 pages)View decision -
Decision Reference DRN5610692
11 Mar 2020 NewDay Ltd Not upheldBanking and creditMr S complains that NewDay Ltd recorded a default on his credit file with an incorrect date. He says NewDay should compensate him for loss of reputation and restricting his ability to obtain credit.backgroundMr S held a credit card account which was originally held with a different provide... (5 pages)View decision -
Decision Reference DRN-4690983
5 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4690983 The complaint Mrs B complaint NewDay Ltd (“NewDay”), refuses to refund her for an ATM transaction on her Debenhams card which was not completed successfully. What happened Mrs B complained to us that she tried to withdraw £300 cash from an ATM using her Debenhams card in Aug... (2 pages)View decision -
Decision Reference DRN-3253055
18 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3253055 Complaint Mr M has, amongst other things, complained that NewDay Ltd (“NewDay”) irresponsibly provided unaffordable credit to him on two credit cards. Background Mr M was provided with an Aqua branded credit card, which had an initial credit limit of £250, in October 2014. The... (3 pages)View decision -
Decision Reference DRN8330716
13 May 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd (trading as Aqua) irresponsibly gave him a credit card in 2016 given his circumstances and that it subsequently sold his account to a third party. He wants to deal with NewDay not the third party, wants the debt written off and his cred... (2 pages)View decision -
Decision Reference DRN-5129409
6 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5129409 The complaint Miss H complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Over a period, Miss H had two credit cards issued by NewDay and the limits were increased as shown: Aqua card: Limit increase No. Date Limit December 2017 – new card £900 1 May ... (5 pages)View decision -
Decision Reference DRN8591057
12 Nov 2019 NewDay Ltd UpheldBanking and creditMr C complains that NewDay Ltd registered a default on his credit file without him knowing and he’d like it removed. He says he didn’t receive any letters about this and he also thinks the date of the default is wrong.backgroundThe background to this complaint and my initial findings on it... (5 pages)View decision -
Decision Reference DRN0128899
18 Feb 2019 NewDay Ltd UpheldBanking and creditMrs G complains that NewDay Ltd mistakenly told her that she didn’t have to make a credit card payment after it failed to collect her direct debit. background Mrs G has a NewDay credit card and repays the full outstanding balance each month. In August 2018 a payment of ... (2 pages)View decision -
Decision Reference DRN4442384
12 Jul 2019 NewDay Ltd UpheldBanking and creditMiss A complains that NewDay Ltd acted irresponsibly in giving her a credit card and then frequently increasing its limit.backgroundI issued my provisional decision on this case on 13 May 2019. A copy of it is attached and it forms part of my final decision. The full background to the comp... (5 pages)View decision -
Decision Reference DRN6275227
22 Oct 2019 NewDay Ltd Not upheldBanking and creditMr B complains about the service he has received from NewDay Ltd and the action it took when he was unable to access his Aqua credit card account on-line. background Mr B says he was locked out from NewDay’s credit card on-line system so he couldn’t verify the balance and transactions on h... (4 pages)View decision
