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 2123 results
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Decision Reference DRN-4743351
26 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4743351 The complaint Ms Y complains that NewDay Ltd, trading as Pulse Mastercard, continue to hold her liable for a debt which she considers to be settled. Specifically, Ms Y says she made NewDay a full and final settlement offer, which it accepted by cashing her cheque. So, it should... (3 pages)View decision -
Decision Reference DRN-5179098
16 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5179098 The complaint Mr K complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest and any adverse information recorded on his credit file removed. Mr K is represented by a third part... (3 pages)View decision -
Decision Reference DRN-5252229
24 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5252229 The complaint Mr G complains that NewDay lent irresponsibly when it approved three different credit card applications he made and increased the credit limits. What happened Mr G applied for a Debenhams credit card with NewDay in February 2019. In his application, Mr G said ... (4 pages)View decision -
Decision Reference DRN-3538791
13 Jun 2022 NewDay Ltd UpheldConsumer CreditDRN-3538791 The complaint Mr D complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two running account credit facilities that he couldn’t afford. What happened In February 2018, Mr D applied for an Aqua Mastercard credit account with NewDay. He was given an initial credit limit of ... (4 pages)View decision -
Decision Reference DRN-1790472
19 May 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1790472 The complaintMr T complains that NewDay Ltd (trading as Aqua) lent irresponsibly when it approved his credit card application and when it increased his credit limit. He also complains that NewDay didn't do enough to help him when he told them he was in financial difficulti... (3 pages)View decision -
Decision Reference DRN-3700216
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3700216 The complaint Ms B complains that NewDay Ltd acted irresponsibly when they agreed to provide her with two credit card accounts and subsequently increased her credit limits. What happened Ms B applied to NewDay for a Marbles Classic branded credit card in March 2016. NewDay asse... (4 pages)View decision -
Decision Reference DRN-5232425
12 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5232425 The complaint Mrs L’s complaint relates to a credit card she has with NewDay Ltd trading as Aquacard. She has said that she considers NewDay was irresponsible when it accepted her application, and later increased her credit limit on several occasions, as none were affordable... (3 pages)View decision -
Decision Reference DRN-3331952
22 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3331952 The complaint Ms R, through a representative, says NewDay Ltd irresponsibly lent to her. What happened Ms R took out a credit card from NewDay in October 2016, she was given a credit limit of £250. In October 2017 NewDay increased this to £500. Ms R says the lending was never a... (3 pages)View decision -
Decision Reference DRN-3479382
29 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3479382 The complaint Mr R says NewDay Ltd (“NewDay”) irresponsibly lent to him. He has requested that the interest and late payment charges he paid on the account be refunded. What happened This complaint is about a credit card account, trading as Marbles, provided by NewDay to Mr R. ... (3 pages)View decision -
Decision Reference DRN8059001
19 Dec 2018 NewDay Ltd UpheldBanking and creditMr C complains that even though he made a payment on time to his card account NewDay Ltd posted it late. He was charged interest and fees. He was unhappy with the level of service after he complained.backgroundMr C made two payments on his card account on 1 Ju... (2 pages)View decision
