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 2077 results
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Decision Reference DRN-5221435
8 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5221435 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and went on to increase his credit limit. What happened Mr B applied for a credit card with Aqua in February 2018. In his application Mr B said he wa... (3 pages)View decision -
Decision Reference DRN-5176957
8 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5176957 The complaint Mrs G complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mrs G applied for an Aqua credit card in February 2022. Mrs G said she had an income of £12,000 ... (3 pages)View decision -
Decision Reference DRN-5203629
7 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5203629 The complaint Mrs O complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Mrs O is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mrs O herself. Wh... (5 pages)View decision -
Decision Reference DRN-5241916
7 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5241916 The complaint Mrs M complains that NewDay Ltd irresponsibly lent to her. What happened Mrs M was approved for an NewDay credit card (which I will refer to as A in this decision), in August 2020 with a credit limit of £500. I have detailed the credit limit changes below: Nove... (5 pages)View decision -
Decision Reference DRN-5197681
7 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5197681 The complaint Miss H complains that NewDay Ltd irresponsibly lent to her. Miss H is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss H herself. What ... (4 pages)View decision -
Decision Reference DRN-5228281
7 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5228281 The complaint Mr B complains that NewDay Ltd, trading as John Lewis Partnership Card (‘NewDay’), were unreasonable to block a new card he had been sent. He says they caused him distress and inconvenience. What happened Mr B ordered a new account card from NewDay and travelle... (2 pages)View decision -
Decision Reference DRN-5227340
7 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5227340 Complaint Mrs D has complained that NewDay Ltd (trading as “Aqua”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and became unmanageable. Background Aqua initially provided Mrs D with a cr... (4 pages)View decision -
Decision Reference DRN-5196251
3 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5196251 The complaint Mrs G complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Mrs G is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mrs G h... (3 pages)View decision -
Decision Reference DRN-5232695
30 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5232695 The complaint Mr G complains that he was misled by NewDay Ltd (trading as ‘Marbles’) into applying for a credit card based on an advertised promotional rate of 0%. All references to ‘NewDay’ will include the trading name of the credit card provider ‘Marbles’. What happened... (4 pages)View decision -
Decision Reference DRN-5191811
30 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5191811 The complaint Miss W complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss W applied for an Aqua credit card in August 2021. In her application, Miss W gave an incom... (3 pages)View decision
