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-4961072
21 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4961072 The complaint Miss D is being represented by solicitors. She’s complaining about NewDay Ltd trading as Aqua because she says it lent irresponsibly by providing her with a credit card she couldn’t afford and going on to increase the limit. What happened In June 2017, Miss D o... (4 pages)View decision -
Decision Reference DRN-5079981
21 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5079981 The complaint Mr H complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr H 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 Mr H himself. What ... (4 pages)View decision -
Decision Reference DRN-5092362
21 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5092362 Complaint Mr L has complained about a (“Marbles”) branded credit card and the subsequent credit limit increases on it which NewDay Ltd provided to him. He says he was provided with the credit card and credit limit increases without any concern for his financial difficulty. ... (6 pages)View decision -
Decision Reference DRN-5061393
18 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5061393 The complaint Mr B complains that NewDay Limited trading as Aqua lent irresponsibly when it approved a credit card he made and later increased the credit limit. What happened Mr B applied for an Aqua credit card in May 2021. In his application, Mr B said he was employed wit... (3 pages)View decision -
Decision Reference DRN-5047343
18 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5047343 The complaint Mr B, who is represented by a professional representative (“PR”) complains that NewDay Ltd was irresponsible when it increased the limit on his credit card account. What happened Mr B took out a credit card with NewDay in September 2016 and was granted the foll... (3 pages)View decision -
Decision Reference DRN-5052953
16 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5052953 The complaint Mrs H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened In February 2019, Mrs H applied for a credit card with Aqua. In her application, Mrs H said s... (3 pages)View decision -
Decision Reference DRN-5085899
16 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5085899 The complaint Mrs B is being represented by solicitors. She’s complaining about NewDay Ltd trading as Aqua because she says it lent irresponsibly by providing with a card she couldn’t afford and then going on to increase the credit limit. What happened Mrs B opened a credit ... (3 pages)View decision -
Decision Reference DRN-5069810
15 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5069810 The complaint Mr A, through a representative, says NewDay Ltd, trading as Marbles, irresponsibly lent to him. What happened Mr A applied for a credit card from NewDay in August 2017. It was approved with a limit of £900. This was decreased to £600 in November 2017. He was th... (4 pages)View decision -
Decision Reference DRN-5076841
11 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5076841 The complaint Mrs B has complained that NewDay Ltd didn’t fairly or reasonably deal with claims under the Consumer Credit Act 1974 (“the CCA”) in relation to a holiday product bought, in part, using her credit card. What happened In June 2016, Mrs B and Mr B purchased holida... (4 pages)View decision -
Decision Reference DRN-5051912
10 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5051912 The complaint Mr F complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr F applied for a credit card with NewDay in February 2015, NewDay approved the application and gave Mr F a credit card with an initial credit limit of £250. The credit lim... (3 pages)View decision
