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 2553 results
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Decision Reference DRN-5595837
3 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5595837 The complaint Miss D 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 D applied for an Aqua credit card in August 2022. In her application, Miss D said she was ... (3 pages)View decision -
Decision Reference DRN-3474004
29 Jul 2022 NewDay Ltd UpheldConsumer CreditDRN-3474004 The complaint Mr M complains that NewDay Ltd trading as AO Finance allocated payments to his accounts in way that disadvantaged him. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. The facts are not in dispute so in... (2 pages)View decision -
Decision Reference DRN-3034741
28 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3034741 The complaint Mr G complains that NewDay Ltd (“NewDay”) has refused to refund transactions (made using his NewDay (Aqua) Mastercard credit card) to a fraudulent investments trading company (CFD Corporate). What happened The circumstances of this complaint are well known to both... (6 pages)View decision -
Decision Reference DRN-3046384
24 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3046384 The complaint Mr P complains that NewDay Ltd trading as Aquacard was irresponsible in its lending to him. What happened Mr P applied for a credit card with NewDay in February 2020. This application was approved for a card with a credit limit of £1,200. In July 2020, his credit ... (3 pages)View decision -
Decision Reference DRN-5772420
18 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5772420 The complaint Mr T complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application and later increased the limit. What happened Mr T applied for a Marbles credit card in June 2016. In his application, Mr T said he had an income o... (3 pages)View decision -
Decision Reference DRN-4928972
25 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4928972 The complaint Miss L complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional d... (4 pages)View decision -
Decision Reference DRN-5256301
27 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5256301 The complaint Mr F 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 F applied for a credit card with Aqua in January 2018. In his application, Mr F said he was em... (3 pages)View decision -
Decision Reference DRN-5617619
9 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5617619 The complaint Miss 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 Miss B applied for an Aqua credit card in August 2014. The application data provided by Aqua sa... (3 pages)View decision -
Decision Reference DRN-4418756
16 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4418756 The complaint Mr S complains that NewDay Ltd rejected his claim for compensation under section 75 of the Consumer Credit Act 1974 in relation to a car he says was mis-sold to him. What happened In January 2022 Mr S bought a used car, which had been registered in 2018 and had ha... (2 pages)View decision -
Decision Reference DRN-5450407
15 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5450407 The complaint Mrs P 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 P applied for a credit card with Aqua in April 2014. In her application, Mrs P said she was ... (4 pages)View decision