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 2113 results
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Decision Reference DRN4280658
21 Feb 2018 NewDay Ltd Not upheldBanking and creditMr R feels that the NewDay Ltd has treated him unfairly with regard to two credit card transactions he disputes, one from July and one from November 2016.backgroundIn January 2018 I issued a provisional decision upholding this complaint (attached). In short I found th... (3 pages)View decision -
Decision Reference DRN-5127298
7 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5127298 The complaint Ms R is complaining about NewDay Ltd trading as Aquacard because she says it lent irresponsibly by providing her with a credit card and then going on to increase the credit limit. What happened In June 2021, Ms R opened a credit card account with NewDay with an... (4 pages)View decision -
Decision Reference DRN-2240572
3 Dec 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-2240572 The complaint Miss Z complains that NewDay Ltd trading as Debenhams (‘NewDay’) declined a credit card chargeback after it was defended by the seller. What happened After Miss Z purchased an electrical item on-line using her NewDay credit card, she complained to the seller that ... (2 pages)View decision -
Decision Reference DRN2506663
21 Dec 2018 NewDay Ltd Not upheldBanking and creditMr M complains that NewDay Ltd (NewDay) hasn’t refunded money he spent on a product that turned out to be substantially different from what was promised. He says it wouldn’t provide information to help him get the money back through another company either.background Mr ... (2 pages)View decision -
Decision Reference DRN-4083733
4 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4083733 The complaint Mr J complains that NewDay Lyd trading as Aqua lent to him irresponsibly. What happened Mr J applied for a credit card with Aqua in July 2021. It was approved with an initial credit limit of £450. The credit limit was later increased to £1200. Mr J complained that... (2 pages)View decision -
Decision Reference DRN-2865982
30 Jun 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2865982 The complaint Mrs S complains that her account with NewDay Ltd (NewDay) was unfairly defaulted. What happened Mrs S had a retailer branded credit card from NewDay. She was taken ill in 2017. Her husband had to give up his job to care for her. She ran into financial difficulties... (5 pages)View decision -
Decision Reference DRN3610916
7 Dec 2018 NewDay Ltd Not upheldBanking and creditMr O complains NewDay Ltd didn’t tell him there would be a 3% fee when he carried out a money transfer on his NewDay credit card account. He’s also unhappy with how his complaint was handled.backgroundMr O has two credit card accounts with NewDay. One card is Aqua and... (2 pages)View decision -
Decision Reference DRN-3184296
29 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3184296 The complaint Mr K is unhappy that he wasn’t made aware by NewDay Ltd that he wasn’t able to complete a balance transfer between two differently branded NewDay administered credit accounts. What happened Mr K applied for a NewDay administered credit account as he wanted to take... (4 pages)View decision -
Decision Reference DRN-2821995
23 Jun 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2821995 The complaint Mr Q complains that NewDay Ltd (NewDay) defaulted his accounts. What happened Mr Q had two cards provided by NewDay – an Opus card and a Fluid card. He was struggling with repayments and by January 2020, he had debts of £2284 on the Opus card, and £5012 on the Flu... (3 pages)View decision -
Decision Reference DRN-5294512
28 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5294512 The complaint Mr D complains that a payment he made to his credit card with NewDay Ltd wasn’t credited to his account. He’s also unhappy about the customer service he received from NewDay when he complained. What happened Mr D holds a credit card account with NewDay. On 29 J... (3 pages)View decision
