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 2421 results
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Decision Reference DRN-4630311
27 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4630311 The complaint Mr T complains about the way in which NewDay Ltd communicate credit limit decreases. He feels that their communication is misleading and deceptive. Mr T isn’t disputing the credit limit decreases themselves but feels that the wording of NewDay’s letters implies th... (2 pages)View decision -
Decision Reference DRN-3304507
11 Feb 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3304507 The complaint Mrs S is unhappy NewDay Ltd have cancelled her credit card account with them and left adverse information on her credit file. What happened The details of this complaint are well known to both parties, and were set out in my provisional decision, so I am not going... (2 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-5330015
2 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5330015 The complaint Miss B complains NewDay Ltd lent to her irresponsibly when they approved her application for a credit card. Miss B is represented by a claims management company in this complaint, but I’ll refer to her throughout my decision. What happened Miss B complains Ne... (3 pages)View decision -
Decision Reference DRN-3522874
30 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3522874 The complaint Mr D complains that NewDay Ltd (NewDay) marked his credit file. What happened Mr D had a marbles credit card from NewDay. The statement dated 22 March 2020 had a balance of £2,774.80 and the limit was £2,800. The minimum payment of £107.21 was due to be paid by 16... (3 pages)View decision -
Decision Reference DRN7361894
12 Aug 2015 NewDay Ltd Not upheldBanking and creditMiss S has complained that NewDay Ltd has taken a payment of £203 from her credit card account for concert tickets which wasn’t authorised by her. backgroundMiss S called NewDay to ask about a transaction for £203 made with her credit card on 2 March 2015 for c... (2 pages)View decision -
Decision Reference DRN-3919388
1 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3919388 The complaint Mr C says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr C applied for a credit card in March 2018. It was approved with a limit of £250. His credit limit was increased once to £1,250 in July 2022. After Mr C complained to NewDay saying t... (2 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 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 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
