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 DRN-1142334
31 Mar 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1142334The complaintMr L complains about Newday Limited’s (“Newday”) handling of a missing payment.What happenedMr L had a credit card with Newday. He paid £746.15 towards the balance on 1 July 2019. Mr L was then notified by text that he had missed a payment. The payment was found and... (2 pages)View decision -
Decision Reference DRN-3473210
21 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3473210 The complaint Mr S complains that NewDay Ltd (‘NewDay’) irresponsibly gave him a credit card account facility that he couldn’t afford. What happened On 24 December 2020, Mr S applied for and was given a credit card account with NewDay with a credit limit of £600 under the tradi... (2 pages)View decision -
Decision Reference DRN6114113
27 Aug 2015 NewDay Cards Ltd Not upheldBanking and creditMiss W complains that NewDay Cards Ltd registered a default on her credit file after she made a reduced payment to settle her debt. She also complains about the time it took to respond to her complaint and update her address.background Miss W was experiencing probl... (2 pages)View decision -
Decision Reference DRN-2944447
19 Oct 2021 NewDay Ltd Not upheldConsumer CreditDRN-2944447 The complaint Mrs A complains about the adverse information that NewDay Limited has recorded on her credit file relating to the payments that she made under a credit agreement for a television. What happened Mrs A used a credit agreement with a third party to pay for a televisi... (3 pages)View decision -
Decision Reference DRN-4040014
22 Mar 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4040014 The complaint Mr J is complaining that NewDay Ltd applied missed payments to his credit file. What happened In May 2019 Mr J entered into a credit card agreement with NewDay. In May 2021 he entered into a repayment plan to pay a reduced monthly payment of £30 per month. In Octo... (2 pages)View decision -
Decision Reference DRN-2690772
17 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2690772 The complaint Mrs P has complained NewDay Ltd, trading as Aqua, won’t refund monies she spent on share trading when she didn’t get the service she was promised. What happened In 2017 Mrs P was cold-called by a foreign-based company offering her investment options. She understoo... (4 pages)View decision -
Decision Reference DRN-5301786
7 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5301786 The complaint Mr D, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr D took out a credit card from NewDay on 3 February 2021. He was given a credit limit of £600. This was increased four times over the next two years. Mr... (3 pages)View decision -
Decision Reference DRN-4686971
22 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4686971 The complaint Mr M is unhappy with the service he’s received from NewDay Ltd trading as Marbles about several events relating to his credit card. What happened Mr M holds a Marbles branded credit card with NewDay. In October 2023 Mr M complained to NewDay. His complaint was... (4 pages)View decision -
Decision Reference DRN5860093
7 Jan 2019 NewDay Ltd UpheldBanking and creditMiss G says NewDay Ltd (trading as Aqua) acted irresponsibly when they gave her a credit card in 2012 and kept increasing her credit limit. background Miss G applied for her credit card in August 2012 and the account was opened with a credit limit of £500. Over the ... (3 pages)View decision -
Decision Reference DRN-5259262
14 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5259262 The complaint Miss N complains that NewDay Ltd have irresponsibly lent to her. What happened Miss N was approved for an NewDay credit card (which I will refer to as A in this decision), in April 2010 with a credit limit of £350. I have detailed the credit limit changes below... (6 pages)View decision
