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 2246 results
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Decision Reference DRN-5659609
3 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5659609 The complaint Miss P complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application. What happened Miss P applied for an Aqua credit card in February 2025. In her application, Miss P said she was employed with an income of £40,000 ... (2 pages)View decision -
Decision Reference DRN-5639420
3 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5639420 The complaint The estate of Mr H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The late Mr H applied for an Aqua credit card in November 2012 and said he had an i... (4 pages)View decision -
Decision Reference DRN-5595158
2 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5595158 The complaint Mr R complains about the security process when logging int his online account with NewDay Ltd trading as John Lewis Credit Card. What happened Mr R is concerned that the security on his John Lewis credit card account is poor. He says that when accessing his acc... (2 pages)View decision -
Decision Reference DRN-5330015
2 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5330015 The complaint Miss B complains NewDay Ltd lent to her irresponsibly when they approved her application for a credit card. Miss B is represented by a claims management company in this complaint, but I’ll refer to her throughout my decision. What happened Miss B complains Ne... (3 pages)View decision -
Decision Reference DRN-5554004
2 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5554004 The complaint Mr D complains NewDay Ltd trading as Aqua (NewDay) failed to carry out sufficient financial checks before it approved a credit card facility for him. What happened Mr D says he applied for a credit card with NewDay in February 2021 and a credit facility of £450... (3 pages)View decision -
Decision Reference DRN-5607278
2 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5607278 The complaint Ms B complains NewDay Ltd Trading as Fluid (NewDay) failed to carry out sufficient financial checks before it approved a credit card account for her. What happened Ms B says she applied for a credit card with NewDay around three years ago at a time when she was... (3 pages)View decision -
Decision Reference DRN-5537049
1 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5537049 The complaint Mr G complains that NewDay Ltd trading as Marbles lent to him irresponsibly. What happened In May 2022 Mr G applied for a credit card with NewDay. NewDay approved the application and gave Mr G a credit card with a credit limit of £900. Mr G complained that NewD... (3 pages)View decision -
Decision Reference DRN-5605394
1 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5605394 The complaint Mr W complains NewDay Ltd trading as Aqua (NewDay) failed to carry out sufficient financial checks before providing him with a credit card account and subsequently increased the credit limit on that account. What happened Mr W says NewDay approved a credit card... (3 pages)View decision -
Decision Reference DRN-5570261
1 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5570261 The complaint Mr R complains NewDay Ltd trading as Aqua (NewDay) failed to carry out thorough financial checks before it increased his credit card limit. What happened Mr R says he holds a credit card account with NewDay and in April 2024 it increased his limit from £700 to ... (3 pages)View decision -
Decision Reference DRN-5507995
1 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5507995 Complaint Mr K has complained about a credit card and subsequent limit increases which NewDay Ltd (trading as “Marbles”) provided to him. He says that the credit card and limit increases were unaffordable for him and so should never have been provided. Background NewDay pro... (5 pages)View decision
