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-3064617
1 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3064617 The complaint Miss B complains that the interest being added to her account with NewDay Ltd trading as Aqua is incorrect. What happened Miss B says that she makes a payment towards her account which is over the minimum amount required each month but each month her interest paym... (2 pages)View decision -
Decision Reference DRN-4376299
17 Jan 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4376299 The complaint Miss B has complained about NewDay Ltd’s actions in respect of a credit account she has with it. What happened Miss B has an account with NewDay. She’s explained that she didn’t receive an item she’d ordered from a third party, using her NewDay finance. NewDay say... (1 page)View decision -
Decision Reference DRN-2114909
24 Aug 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-2114909 The complaintMiss O complains about the way NewDay Ltd has handled a dispute over a credit card payment for a flight booking. The payment was made using Miss O's Aqua credit card, which is issued and administered by NewDay. What happenedMiss O has explained that she was tr... (2 pages)View decision -
Decision Reference DRN1504591
11 Feb 2020 NewDay Ltd UpheldBanking and creditMr I has complained NewDay Limited, trading as Aqua, is holding him liable for a credit card and the spending on it. He didn’t apply for this card in 2015.background After being rejected for a loan, Mr I checked his credit record. He noticed a default on his record for a credit card with A... (2 pages)View decision -
Decision Reference DRN1731440
29 Nov 2019 NewDay Ltd Not upheldBanking and creditMr M complains that he didn’t receive the correct promotional gift card when he took out a credit card with NewDay Ltd.backgroundOn 3 May 2019 Mr M applied for a credit card though an advert on a retailer’s website. It said that he’d receive a £30 gift card to spend with that retailer if h... (2 pages)View decision -
Decision Reference DRN1858893
10 Jul 2015 NewDay Ltd UpheldBanking and creditMrs H complains that NewDay Ltd will not refund sums debited to her credit card account, and interest and charges, after she was victim of a scam. She brings this complaint under section 75 of the Consumer Credit Act 1974. She is represented in bringing this compl... (2 pages)View decision -
Decision Reference DRN-3568121
3 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3568121 The complaint Mrs B complains that NewDay Ltd won’t refund the payment she made to a scam. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts aren’t in dispute, so I’ll focus on giving the reasons for my deci... (2 pages)View decision -
Decision Reference DRN5203384
11 Oct 2016 NewDay Ltd Not upheldBanking and creditMr W complains that NewDay Ltd won’t remove late and non-payment markers from his credit file.backgroundMr W moved house shortly after opening a store card account. NewDay received returned mail from his address, so stopped any further letters and statements from being ... (2 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 DRN9265924
14 Sep 2016 NewDay Ltd UpheldBanking and creditMrs J complains a sofa she bought using her NewDay Ltd credit card isn’t of satisfactory quality. She wants NewDay to refund her under section 75 of the Consumer Credit Act 1974. backgroundIn January 2016, Mrs J bought a new sofa suite from “A” using her NewDay credit ... (2 pages)View decision
