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 2124 results
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Decision Reference DRN-2879741
23 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2879741 The complaint Mrs K complains that NewDay Ltd trading as Aqua irresponsibly allowed her to open a credit card account and later increased her credit limit which were both unaffordable. What happened Mrs K says she was in financial difficulties when the credit card account was o... (2 pages)View decision -
Decision Reference DRN-2709672
20 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2709672 The complaint Mr K complains that NewDay Ltd trading as Amazon Classic Card (Amazon) lent to him irresponsibly. What happened In April 2019, Amazon agreed to give Mr K a credit card with a limit of £500. The account went into arrears and was sold to a debt collection agency in ... (3 pages)View decision -
Decision Reference DRN-3238098
5 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3238098 The complaint Mr B complains that NewDay Ltd trading as Fluid Credit Card irresponsibly allowed him to open a credit card account which was unaffordable and later increased the credit limit. What happened Mr B says Fluid should not have allowed him to open a credit card account... (2 pages)View decision -
Decision Reference DRN8859879
25 Oct 2019 NewDay Ltd UpheldBanking and creditComplaintMr C complains that NewDay Ltd (trading as Aqua) lent irresponsibly when it approved his credit card application and later increased his credit limit. BackgroundMr C applied for an Aqua credit card and was approved for a £250 credit limit in September 2012. In December 2012 Mr C a... (2 pages)View decision -
Decision Reference DRN6227390
5 Feb 2018 NewDay Ltd UpheldBanking and creditMrs L complains that NewDay Ltd (trading as Aqua) lost a payment she made to her credit card account. backgroundMrs L told us that she paid £200 to her credit card account with Aqua in August, and then the same amount again in September. Shortly after, she started re... (2 pages)View decision -
Decision Reference DRN5314290
19 Jul 2019 NewDay Ltd UpheldBanking and creditMr R complains that NewDay Ltd trading as Aqua (Aqua) wrongly approved his application for a credit card when they knew of his health conditions, and then increased his credit limit and interest rate.background Mr R opened a credit card account with Aqua on the 10 December 2014 following r... (2 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-3421653
20 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3421653 The complaint Mr L complains that NewDay Ltd trading as Marbles Card irresponsibly allowed him to open a credit card account and later increased the credit limit to unaffordable levels. What happened Mr L says he opened the Marbles account in 2015 and at the time had a number o... (2 pages)View decision -
Decision Reference DRN-4193674
13 Oct 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4193674 The complaint Mrs Q complains that NewDay Ltd, trading as Aqua, increased the limit on a credit card account, which she could not afford. What happened In March 2018 Aqua approved a credit card account with an initial limit of £250 for Mrs Q. It increased that limit three times... (3 pages)View decision -
Decision Reference DRN-2840492
27 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2840492 The complaint Mr T is unhappy that NewDay Ltd, trading as Aqua, increased the credit limit on his credit account, which he feels was unaffordable for him at those times. What happened In December 2014, Aqua increased the credit limit on Mr T’s account from £600 to £1,350. Aqua ... (3 pages)View decision
