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 793 results
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Decision Reference DRN-5204469
18 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5204469 The complaint Mr S complains that NewDay Ltd lent irresponsibly when it approved two credit cards in his name and went on to increase the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: ... (4 pages)View decision -
Decision Reference DRN-3587403
28 Sep 2022 NewDay Ltd UpheldConsumer CreditDRN-3587403 The complaint Miss K says NewDay Ltd irresponsibly lent to her. She has requested that not only should the interest and late payment charges she paid on the accounts be refunded but she also thinks the debt should be written off. What happened This complaint is about two accoun... (3 pages)View decision -
Decision Reference DRN1699124
23 Apr 2019 NewDay Ltd Not upheldBanking and creditMr P complains that NewDay Ltd kept increasing his credit card limit even though he couldn’t afford to make the repayments.backgroundMr P tells us that NewDay Ltd increased his credit limit several times. In July 2014 it increased it to £1,000 and he thought that w... (2 pages)View decision -
Decision Reference DRN-4212609
14 Jul 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4212609 The complaint Mrs Z complained that NewDay Ltd lent to her irresponsibly. What happened In February 2021 Mrs Z applied for a Fluid credit card account. NewDay approved the application and gave Mrs Z a card with an initial credit limit of £600. The credit limit was increased to ... (3 pages)View decision -
Decision Reference DRN-3586109
12 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3586109 The complaint Mr C complains that NewDay Ltd trading as Aquacard (“NewDay”) acted irresponsibly when they agreed to provide him with a credit card account and later increased his account limit to an unaffordable level. What happened Around October 2015, Mr C applied to NewDay f... (3 pages)View decision -
Decision Reference DRN-3594533
14 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3594533 The complaint Mr C says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr C applied for a credit card in April 2014. It was approved with a limit of £250 and he was given six subsequent credit limit increases by NewDay. A summary follows. Mr C says NewDay... (3 pages)View decision -
Decision Reference DRN-3504864
20 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3504864 The complaint Miss H complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss H was provided with an Aqua credit card with an initial credit limit of £300 and the credit limit was gradually increased to £2,500. She says that NewDay had not been prov... (4 pages)View decision -
Decision Reference DRN-4133176
25 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4133176 The complaint Miss B complains that NewDay Ltd lent to her irresponsibly. What happened Miss B’s complaint is about two credit cards with NewDay. In July 2019 Miss B applied for a Fluid card. NewDay approved the application and gave Miss B a card with an initial credit limit of... (3 pages)View decision -
Decision Reference DRN5638729
21 Mar 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd acted irresponsibly when they approved his application for a second credit card account. To put things right he wants them to refund him the interest and charges that were applied to the account when he later missed some payments.backgroun... (2 pages)View decision -
Decision Reference DRN-4956313
10 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4956313 The complaint Mr A complains that NewDay Ltd trading as Aqua was irresponsible when it offered him two credit card accounts. Mr A has brought his complaint to us via a representative but I’ll refer to him throughout for simplicity. What happened NewDay opened a credit car... (4 pages)View decision
