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-3639952
5 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3639952 The complaint Mr M says NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr M’s complaint is about a credit card account provided by NewDay. The account was opened in September 2015. Mr M was given an initial credit limit of £900. This was increased to £1900 ... (3 pages)View decision -
Decision Reference DRN-5426222
25 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5426222 The complaint Mr C complains that NewDay Ltd irresponsibly lent to him. What happened Mr C was approved for a branded NewDay credit card (which I will refer to as A in this decision), in August 2020 with a credit limit of £600. I have detailed the credit limit changes on A b... (5 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 DRN3313952
31 Jan 2018 NewDay Ltd Not upheldBanking and creditMs D complains that NewDay Ltd didn’t treat her fairly when she noticed she was being charged an incorrect amount of interest on her credit card account.background Ms D holds a credit card with NewDay. In February 2017, she transferred a balance onto the card, taking ... (2 pages)View decision -
Decision Reference DRN-4721627
29 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4721627 The complaint Mr A complains about how NewDay Ltd administered his credit card account. What happened Mr A held a credit card with NewDay. In January 2022, NewDay sent Mr A a default notice. It did so because it said he hadn’t made at least the minimum contractual repayment to... (3 pages)View decision -
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 DRN-3893995
20 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3893995 The complaint Ms F has complained that NewDay Limited irresponsibly lent to her What happened Ms F opened a shopping account with NewDay in May 2007. At that point her credit limit was set at £200. It was increased once in August 2007 to £900. Ms F says that she couldn’t affor... (2 pages)View decision -
Decision Reference DRN0402766
20 Jan 2020 NewDay Ltd UpheldBanking and creditMr C complains about the customer service he’s received from NewDay Ltd. Mr C says he’s had direct debit issues with funds not being taken, which resulted in him incurring late fees. Mr C wants his credit card balance written off and compensation awarded to him from NewDay.background NewDa... (2 pages)View decision -
Decision Reference DRN7661225
7 May 2019 NewDay Ltd UpheldBanking and creditMs K complains that NewDay Ltd treated her unfairly by closing her credit card account and passing the associated debt to a collection agent without telling her.backgroundMs K had a credit card with NewDay. She agreed a repayment plan for a reduced amount in February 20... (2 pages)View decision -
Decision Reference DRN3532260
21 Mar 2018 NewDay Ltd Not upheldBanking and creditMr N complains that NewDay Ltd lent him money through his credit card account that he couldn’t afford to pay back.backgroundMr N said that he opened a card account with NewDay, but he already had a considerable amount of debt when he applied. Then NewDay increased hi... (2 pages)View decision
