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 2527 results
-
Decision Reference DRN-3582733
26 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3582733 The complaint Ms B complains that NewDay Ltd (“NewDay”), trading as Marbles, provided credit that she couldn’t afford to repay. What happened NewDay approved a credit card application for Ms B in July 2018. The credit limit was set at £300 and was increased to £1,300 in Februar... (2 pages)View decision -
Decision Reference DRN-3423722
25 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3423722 The complaint Mrs W complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved a credit card application for Mrs W in November 2017. The credit limit was set at £900 and was never incr... (2 pages)View decision -
Decision Reference DRN-3497810
25 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3497810 The complaint Mr S complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr S in October 2016. They initially provided a credit limit of £300 but in ... (3 pages)View decision -
Decision Reference DRN-3478493
25 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3478493 The complaint Miss S complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved a credit card application for Miss S in August 2016. They initially provided a credit limit of £300 but... (3 pages)View decision -
Decision Reference DRN-3471196
25 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3471196 The complaint Mr B complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr B in September 2019. They initially provided a credit limit of £900 but in... (2 pages)View decision -
Decision Reference DRN-3525846
25 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3525846 The complaint Mr N complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr N in December 2020. The credit limit was set at £900 and was increased to ... (2 pages)View decision -
Decision Reference DRN-3667040
25 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3667040 The complaint Miss T says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Miss T applied for a credit card in November 2015. It was approved with a limit of £300 and she was given six subsequent credit limit increases by NewDay. The first increase in May 2... (4 pages)View decision -
Decision Reference DRN-3600243
24 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3600243 The complaint Mr H complains that NewDay Ltd trading as Aqua gave him a credit card when it should have known he wouldn’t be able to repay what he borrowed. What happened Mr H applied for a credit card in December 2018. He told NewDay that he was employed and earning £27,000 a ... (3 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-3627618
24 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3627618 The complaint Miss A complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss A was provided with an Aqua branded credit card, which had an initial credit limit of £600, in July 2014. The credit limit on this account was increased on three occasions... (4 pages)View decision