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 1089 results
-
Decision Reference DRN-3421653
20 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3421653 The complaint Mr L complains that NewDay Ltd trading as Marbles Card irresponsibly allowed him to open a credit card account and later increased the credit limit to unaffordable levels. What happened Mr L says he opened the Marbles account in 2015 and at the time had a number o... (2 pages)View decision -
Decision Reference DRN-2978320
31 Aug 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2978320 The complaint Mr M complains that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly. What happened In August 2019, Mr M applied for an Aqua credit card. It was approved with a limit of £1200. Mr M complains that Aqua couldn’t have done enough checks – he couldn’t affo... (2 pages)View decision -
Decision Reference DRN-5173531
13 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5173531 The complaint Mr S has complained that NewDay Ltd trading as Aquacard lent to him irresponsibly. What happened In 2022, Aquacard gave Mr J a credit card with a limit of £900. It increased his credit limit in March 2023 to £1,500 and in July 2023 to £2,750. Mr J considers tha... (3 pages)View decision -
Decision Reference DRN-5995618
4 Dec 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5995618 The complaint Ms R complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Ms R was approved for an Aqua credit card in April 2022, with a £1,200 credit limit. The credit limit was increased a further three times, in July 2022 (£2,450), November 20... (4 pages)View decision -
Decision Reference DRN-2705193
19 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2705193 The complaint Mr J complains that NewDay Ltd trading as Marbles (Marbles) lent to him irresponsibly. What happened Mr J applied for a Marbles credit card and this was issued in May 2016 with a limit of £300. In September 2016, the limit was increased to £950. In February 2018 t... (3 pages)View decision -
Decision Reference DRN-2203194
2 Nov 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-2203194 The complaint Mr C complains that NewDay Ltd (trading as Aqua) increased his credit limit irresponsibly on a number of occasions. What happened Mr C applied for an Aqua credit card in July 2015. He declared that he was self-employed with an annual salary of £18,000. He was give... (2 pages)View decision -
Decision Reference DRN-5155337
19 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5155337 The complaint Ms L complains that NewDay Ltd (NDay) lent to her irresponsibly. What happened In March 2016, NDay agreed to give a credit card to Ms L, and then offered and applied increases in the limit as shown: Limit increase number Date Limit March 2016 (new account) £30... (4 pages)View decision -
Decision Reference DRN-5213600
17 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5213600 The complaint Miss M complains NewDay Ltd trading as Aqua irresponsibly lent to her. Miss M 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 Miss M her... (5 pages)View decision -
Decision Reference DRN-5786173
1 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5786173 The complaint Mr M complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr M 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 M hims... (5 pages)View decision -
Decision Reference DRN-5561502
21 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5561502 The complaint Miss K complains that NewDay Ltd trading as Marbles irresponsibly lent to her. What happened Miss K was approved for a Marbles credit card in May 2024 with a £900 credit limit. Miss K says this was irresponsibly lent to her. Miss K made a complaint to Marbles. ... (2 pages)View decision