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 2568 results
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Decision Reference DRN-5270346
3 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5270346 The complaint Mr B, through a representative, says NewDay Ltd, trading as Marbles Card, irresponsibly lent to him. What happened Mr B opened a credit card with NewDay in January 2018. He was given a £300 credit limit. This was increased to £1,200 in June 2018, to £2,600 in O... (3 pages)View decision -
Decision Reference DRN-3538734
30 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3538734 The complaint Ms P complains that NewDay Ltd (“NewDay”) irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved several credit card applications for Ms P, as follows: Amazon credit card approved April 2018 with an initial credit limit o... (3 pages)View decision -
Decision Reference DRN-5267625
16 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5267625 The complaint Mrs R complains that NewDay Ltd trading as Aquacard (NewDay) was irresponsible to open a credit account for her and to later increase the credit limit. Mrs R has brought her complaint via a representative but I will refer to her throughout for simplicity. Wha... (5 pages)View decision -
Decision Reference DRN-3300026
24 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3300026 The complaint Ms S has complained that NewDay Ltd irresponsibly lent to her. What happened Ms S opened an Aqua credit card account with NewDay in December 2020. Her credit limit was set at £900. Ms S, through her representative, says that NewDay shouldn’t have allowed her to op... (2 pages)View decision -
Decision Reference DRN-3365969
19 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3365969 The complaint Mr B complains that NewDay Ltd trading as Aqua and Marbles lent irresponsibly when it approved his credit card applications and later increased the credit limit. What happened Mr B applied for a Marbles credit card in October 2016. In his application, Mr B said he... (3 pages)View decision -
Decision Reference DRN9175135
12 Sep 2017 NewDay Ltd UpheldBanking and creditMs S complains that NewDay Ltd has charged her interest although she was supposed to be getting an interest free balance transfer.background NewDay said that Ms S had an interest free offer on her card account for a year from early January 2016. The interest free... (2 pages)View decision -
Decision Reference DRN8145815
27 Apr 2020 NewDay Ltd UpheldBanking and creditMr D is unhappy that he’s been charged interest by NewDay Ltd (trading as ‘Aqua’) on a default fee plan.backgroundI sent my provisional decision to both parties on 24 March 2020. A copy of this is attached below and forms part of this final decision. In it I explained why I thought this co... (4 pages)View decision -
Decision Reference DRN9823741
6 Jun 2017 NewDay Ltd UpheldBanking and creditMr W complains that NewDay Limited won’t refund to him the money that he paid for a car. His complaint is made against NewDay under section 75 of the Consumer Credit Act 1974. backgroundMr W used his NewDay credit card in March 2016 to pay for a used car. The car... (2 pages)View decision -
Decision Reference DRN5748377
7 Jun 2019 NewDay Ltd UpheldBanking and creditMr D complains that NewDay Ltd have refused to refund him for goods he purchased with his store card.backgroundI sent my provisional decision to both parties on 30 April 2018. A copy of this is attached and forms part of this final decision. In it I set out the ba... (4 pages)View decision -
Decision Reference DRN-4296769
13 Oct 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4296769 The complaint Mr R complains that NewDay Ltd didn’t raise a chargeback for a cancelled booking when this had been previously agreed. What happened Mr R brought a separate complaint to our service previously about NewDay Ltd about a chargeback. In that complaint, NewDay Ltd acce... (2 pages)View decision