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 2509 results
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Decision Reference DRN-5402659
3 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5402659 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr B applied for an Aqua credit card in September 2022. In his application Mr B said he was employed with an annual income of £30,800 ... (3 pages)View decision -
Decision Reference DRN-5584049
3 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5584049 The complaint Mr P complains NewDay Ltd trading as Marbles Card (“NewDay”) gave him a credit card when he was already struggling. What happened In October 2021, Mr P applied for a credit card with NewDay. The application was accepted, and they provided him with an initial l... (3 pages)View decision -
Decision Reference DRN-5573047
3 Jun 2025 NewDay Ltd UpheldConsumer CreditThe complaint Mr D complains that NewDay Ltd trading as Aqua (NewDay) shouldn’t have agreed to open a credit card account and subsequently apply further credit limit increases as the lending was unaffordable. In bringing his complaint Mr D is represented by a third party. For ease of readi... (4 pages)View decision -
Decision Reference DRN-5597833
2 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5597833 The complaint Miss M complains that NewDay Ltd trading as Fluid and Aqua lent irresponsibly when it approved credit card applications she made. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: Miss M’s... (4 pages)View decision -
Decision Reference DRN-5594183
30 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5594183 The complaint Mr H complains that NewDay Ltd, trading as Aqua, lent to him irresponsibly and didn’t help him when he was experiencing financial difficulties. What happened NewDay provided Mr H with a credit card in April 2019. The initial credit limit was £1,200. The credit... (6 pages)View decision -
Decision Reference DRN-5494879
30 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5494879 The complaint Miss K complains that NewDay Ltd trading as Aqua was irresponsible in its lending to her. What happened Miss K was provided with an Aqua credit card account in December 2021 with an initial credit limit of £1,200. Miss K has explained that she had fled domestic... (4 pages)View decision -
Decision Reference DRN-5590230
29 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5590230 The complaint Mr H complains that NewDay Ltd trading as Marbles irresponsibly lent to him. Mr 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 Mr H h... (4 pages)View decision -
Decision Reference DRN-5587356
28 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5587356 The complaint Mr V complains that NewDay Ltd trading as John Lewis Partnership Card (JLPC) have irresponsibly lent to him. What happened Mr V was approved for a JLPC in August 2022 with a £7,200 credit limit. He says that JLPC irresponsibly lent to him. Mr V made a complaint... (4 pages)View decision -
Decision Reference DRN-5439079
28 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5439079 The complaint Miss J complains NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Miss J was approved for an Aqua credit card in May 2020 with a £250 credit limit. I have detailed the credit limit increases below: October 2020 £250 to £1,250 October 2021 £1,... (4 pages)View decision -
Decision Reference DRN-5587174
28 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5587174 The complaint Ms E complains NewDay Ltd trading as Aqua irresponsibly lent to her. Ms E 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 Ms E herself. What happe... (3 pages)View decision