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-5498058
29 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5498058 The complaint Mr M complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr M applied for a credit card with Aqua in December 2021. In his application, Mr M said he had a... (3 pages)View decision -
Decision Reference DRN-5457096
29 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5457096 The complaint Mrs B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs B applied for an Aqua credit card in March 2020. In her application, Mrs B said she was empl... (3 pages)View decision -
Decision Reference DRN-5431156
29 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5431156 The complaint Miss M 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 M applied for a credit card with Aqua in December 2015. In her application, Miss M said sh... (3 pages)View decision -
Decision Reference DRN-5372165
29 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5372165 The complaint Miss M complains that NewDay Ltd trading as Marbles irresponsibly lent to her. Miss M 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 Mi... (5 pages)View decision -
Decision Reference DRN-5382219
28 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5382219 The complaint Mr Z complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr Z 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 Z hims... (4 pages)View decision -
Decision Reference DRN-5467233
25 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5467233 The complaint Mrs K complains that NewDay Ltd trading as Aqua was irresponsible to open a credit account for her and to later increase the credit limit on several occasions. Mrs K has brought her complaint via a representative but I will refer to her throughout for simplici... (3 pages)View decision -
Decision Reference DRN-5423412
25 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5423412 The complaint Mr C complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and increased the credit limit on both accounts. What happened Mr C applied for a Marbles credit card in March 2016. In his application, Mr C said he was em... (3 pages)View decision -
Decision Reference DRN-5480665
24 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5480665 The complaint Mr K is unhappy that NewDay Ltd defaulted his credit account and reported the default to the credit reference agencies. What happened Mr K had a NewDay credit account which was in a position of arrears. On 9 May 2024, NewDay issued a default notice to Mr K, giv... (3 pages)View decision -
Decision Reference DRN-5440595
24 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5440595 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr B applied for a credit card with Aqua in June 2016. In his application, Mr B said he was emplo... (3 pages)View decision -
Decision Reference DRN-5380881
24 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5380881 The complaint Mr E complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and increased the credit limits. What happened Mr E applied for a Fluid credit card in May 2018. In his application, Mr E said he was employed and had a mon... (3 pages)View decision