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 2568 results
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Decision Reference DRN-2440476
23 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2440476 Complaint Mr H says that NewDay Ltd (trading as “Aqua”) irresponsibly lent to him. He said any affordability checks would have shown that he wasn’t fit to be lent to. Background Mr H was provided with an Aqua credit card with an initial credit limit of £250 in August 2017. In ... (6 pages)View decision -
Decision Reference DRN-3434189
26 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3434189 The complaint Mr E complains that NewDay Limited t/a Aqua (Aqua) declined to refund transactions on his account he said he didn’t authorise. What happened Between 26 and 28 January 2021, 5 payments were made on Mr E’s Aqua credit card totalling £907.79 (including charges). Mr E... (3 pages)View decision -
Decision Reference DRN-5222773
19 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5222773 The complaint Mr S complains that NewDay Ltd trading as Aquacard (NDay) lent to him irresponsibly. What happened In June 2022, Mr S applied for a new credit card from Aqua. This was agreed and his limit was then increased as shown: Limit increase number Date Limit June 2022... (4 pages)View decision -
Decision Reference DRN-5285632
24 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5285632 Complaint Miss D has complained about a credit card and subsequent limit increases that NewDay Ltd (trading as “Fluid”) provided to her. She says that her credit limit increases were irresponsibly provided. Background Fluid provided Miss D with a credit card, which had a cr... (3 pages)View decision -
Decision Reference DRN-5968471
2 Dec 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5968471 The complaint Mrs D complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and later increased the limit. What happened Mrs D applied for a Marbles credit card in March 2022. In her application, Mrs D said she was employ... (3 pages)View decision -
Decision Reference DRN-5352189
8 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5352189 The complaint Mr W 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 W applied for a credit card with Aqua in January 2019. In his application, Mr W said he was emp... (3 pages)View decision -
Decision Reference DRN9257398
18 Jun 2015 NewDay Ltd Not upheldBanking and creditMr M complains that NewDay Limited (“NDL”) has retained late payment fees on his store card account, when he believed NDL had told him that they would be removed. He is also unhappy that NDL had applied adverse information to his credit file whilst the removal of the ... (3 pages)View decision -
Decision Reference DRN5171485
4 Sep 2014 Progressive Credit Limited UpheldPayment protection insurance (PPI)This complaint concerns the sale of a regular premium payment protection insurance (PPI) policy which was arranged alongside a credit card which Mr D took out with Progressive Credit Limited (Progressive). Progressive Credit Limited has recently changed its name to NewDay Limited. For th... (3 pages)View decision -
Decision Reference DRN-2710366
13 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2710366 The complaint Mr W has complained that NewDay Ltd (trading as Marbles Card) acted irresponsibly when they increased his Marbles Card limit twice to an unaffordable level. What happened Mr W completed an on-line application for a Marbles Credit Card in August 2017. Marbles appro... (3 pages)View decision -
Decision Reference DRN-4886209
24 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4886209 The complaint Mrs F complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and went on to increase her credit limit on various occasions. What happened In November 2017 Mrs F applied for a credit card with Marbles. Mrs F... (3 pages)View decision