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-3012006
14 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3012006 The complaint Ms K complains about NewDay Ltd (“NewDay”) for proactively increasing her credit card limit on multiple occasions. She feels that the lending was irresponsible and caused her to incur greater debt. She wants NewDay to refund the interest and charges applied to her... (3 pages)View decision -
Decision Reference DRN2743622
22 Jun 2020 NewDay Ltd UpheldBanking and creditMr N complains that NewDay Ltd, trading as Aqua continued to increase his credit limit when he couldn’t afford it. backgroundIn February 2013 Mr N took out a credit card with NewDay. Initially he was given a credit limit of £250. Between July 2013 and December 2014, NewDay increased Mr N’s... (6 pages)View decision -
Decision Reference DRN8192662
4 Apr 2017 NewDay Ltd Not upheldBanking and creditMr P complains about the service received from NewDay Ltd when he raised a complaint about some disputed transactions.backgroundMr P says that whilst on holiday, he visited a shop which sold electrical items. He says he and his wife were put under a great deal of ... (2 pages)View decision -
Decision Reference DRN-3136205
16 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3136205 The complaint Mr J is unhappy that NewDay Ltd, trading as Aquacard, approved him for a credit account which he feels was unaffordable for him at that time. What happened Mr J applied for a NewDay administered credit account in May 2021. Mr J’s application was successful and New... (3 pages)View decision -
Decision Reference DRN1131807
4 Dec 2018 NewDay Ltd Not upheldBanking and creditMr B complains that NewDay Ltd (trading as Aqua and Marbles) was irresponsible to increase his credit limit and to provide him with a new credit card at a time when he was experiencing financial difficulties.backgroundMr B had an Aqua credit card. He says that in 2016 ... (2 pages)View decision -
Decision Reference DRN-4366038
12 Dec 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4366038 The complaint Mr M complains that NewDay Ltd (NewDay) declined to increase the limit on his NewDay credit card. He would like the limit increased What happened The details of this complaint are well known to both parties so I won’t repeat them again here, instead I will focus o... (2 pages)View decision -
Decision Reference DRN-5405968
31 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5405968 The complaint Mr I complains that Newday Ltd (trading as Marbles) failed to refund him for transactions which he didn’t recognise. What happened The detailed background of this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the ke... (4 pages)View decision -
Decision Reference DRN-2519713
21 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2519713 Complaint Mr O is unhappy with the way New Day Ltd trading as Aqua (“NewDay”) handled his chargeback request. Background Mr O has a credit card with NewDay. In November 2019, the security of his account with a travel website was compromised and used to pay for accommodation. He... (2 pages)View decision -
Decision Reference DRN-4406385
20 Oct 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4406385 The complaint Mr G is unhappy with the way NewDay Ltd treated him in relation to a chargeback dispute and concerns of fraud. What happened In April 2021, Mr G opened an account with a gambling website. Once Mr G uploaded funds to the account, he was given access to a range of d... (4 pages)View decision -
Decision Reference DRN-3393940
30 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3393940 The complaint Mrs L complains that NewDay Ltd, trading as Aqua (NewDay) lent to her irresponsibly when they agreed a credit card for her and then continued to increase the credit limit on several occasions. What happened I issued a provisional decision to both parties on 1 Marc... (7 pages)View decision
