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 2113 results
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Decision Reference DRN-2887672
22 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2887672 The complaint Miss L complained that NewDay Ltd (trading as Aqua) failed to respond after she told them about her financial difficulties and made an offer to settle her debt with them What happened Miss L was accepted for an Aqua credit card account in February 2019. She wrote ... (4 pages)View decision -
Decision Reference DRN-4793923
6 Jun 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4793923 The complaint Mr M complains that NewDay Limited Ltd as Aqua lent irresponsibly when it increased the credit limit on his credit card. What happened Mr M had an Aqua credit card that had a credit limit of £1,150. In December 2007, Mr M’s credit limit was increased to £1,550. Aq... (2 pages)View decision -
Decision Reference DRN-2838403
22 Jun 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2838403 The complaint Mr W complains that NewDay Ltd trading as Aquacard have irresponsibly lent to him when they increased his credit limit on his credit card. What happened Mr W made an application for an Aqua credit card in November 2019. Mr W told Aqua that he earned £37,600, had o... (2 pages)View decision -
Decision Reference DRN-5446404
2 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5446404 The complaint Miss S complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application. What happened Miss S applied for a credit card with Marbles in February 2023. In her application, Miss S said she was employed with an income o... (2 pages)View decision -
Decision Reference DRN-3114242
4 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3114242 The complaint Ms S complains that NewDay Ltd trading as Aqua irresponsibly increased the credit limit on her credit card account to unaffordable levels. What happened Ms S says Aqua repeatedly increased the credit limit on her credit account to unaffordable levels. She says she... (2 pages)View decision -
Decision Reference DRN2266430
16 Dec 2018 NewDay Ltd Not upheldBanking and creditMs C complains that NewDay Ltd (trading as “Aqua”) acted irresponsibly when it allowed her two credit cards. She says the cards were unaffordable and her credit limits kept being increased. She also says Aqua’s rules were that only one card was allowed per customer.back... (2 pages)View decision -
Decision Reference DRN-3050908
15 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3050908 The complaint Ms M complains that NewDay Ltd trading as Aqua irresponsibly increased the credit limit on her credit card account which was unaffordable. What happened Ms M says she has no issue with Aqua’s decision to allow her to open a credit card account in 2016 with a credi... (3 pages)View decision -
Decision Reference DRN9667026
16 Aug 2017 NewDay Ltd Not upheldBanking and creditMr M complains about NewDay Ltd (“the business”) registering a default against his credit file, and selling his outstanding debt to a third party. backgroundMr M previously had a credit card, which was operated by the business. In summer 2014 Mr M reached his credit li... (3 pages)View decision -
Decision Reference DRN-5273803
11 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5273803 The complaint Mr J complains that NewDay Ltd trading as Marbles irresponsibly lent to him. Mr J 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 J h... (3 pages)View decision -
Decision Reference DRN-2151780
14 Sep 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-2151780The complaintMr H complains that NewDay Ltd (“Aqua”) acted irresponsibly when it granted him a credit card account with a credit limit of £600. What happenedIn April 2017, Mr H applied online for a credit card account with Aqua. In his application, Mr H said he was employed with... (3 pages)View decision
