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 2421 results
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Decision Reference DRN-5741975
10 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5741975 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 an Aqua credit card in April 2021. In his application, Mr B said he was employed... (4 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 -
Decision Reference DRN1642438
29 Apr 2019 NewDay Ltd UpheldBanking and creditMr G complains that NewDay Ltd (trading as Aqua) was irresponsible when it increased the credit limit on his credit card account. backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 29 March 2019 – a c... (6 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-4127073
12 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4127073 The complaint Mr C complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit on several occasions. What happened The background to this complaint and my initial conclusions were set out in my p... (4 pages)View decision -
Decision Reference DRN-4032621
5 Apr 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4032621 The complaint Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr S applied for a credit card with Aqua in March 2019. Aqua approved the application and gave Mr S a credit card with an initial credit limit of £900. Mr S says that Aqua lent... (2 pages)View decision -
Decision Reference DRN4832954
30 Jan 2017 NewDay Ltd UpheldBanking and creditMr A complains that NewDay Ltd, trading as Aqua, won’t refund the cost of goods he bought, using his Aqua credit card. He brings his complaint under section 75 of the Consumer Credit Act 1975.backgroundMr A purchased an amplifier, costing £1,600, using his credit ca... (2 pages)View decision -
Decision Reference DRN7919716
23 Dec 2019 NewDay Ltd UpheldBanking and creditMr F has complained NewDay Limited, trading as Aqua, won’t pay the costs of repairing a ring which he bought for his wife. He made a claim to NewDay under section 75 of the Consumer Credit Act 1974.backgroundIn October 2017 when Mr F and his wife were travelling overseas, he bought a ring ... (2 pages)View decision -
Decision Reference DRN-3133587
2 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3133587 The complaint Ms L complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: M... (3 pages)View decision -
Decision Reference DRN2762563
11 Jul 2014 NewDay Ltd Not upheldBanking and creditMr D complains that NewDay Ltd, trading as Opus, gave him incorrect information about a transfer of money into his account by a friend. He also complains that this original error was compounded by Opus making further mistakes.background Mr D says he called Opus to ask if a friend transf... (2 pages)View decision
