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 1102 results
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Decision Reference DRN-5439079
28 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5439079 The complaint Miss J complains NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Miss J was approved for an Aqua credit card in May 2020 with a £250 credit limit. I have detailed the credit limit increases below: October 2020 £250 to £1,250 October 2021 £1,... (4 pages)View decision -
Decision Reference DRN-5411244
9 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5411244 The complaint Mr R complains NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr R was approved for an Aqua credit card, in April 2021 with a £450 credit limit. I have detailed the credit limit changes below: August 2021 £450 to £1,200 January 2022 £1,200 ... (4 pages)View decision -
Decision Reference DRN-3249479
14 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3249479 The complaint Mrs C complaints that NewDay Ltd (Aqua) lent to her irresponsibly What happened In December 2015, Mrs C applied for a credit card from Aqua. It was agreed with a limit of £900. Her limit was then increased as shown: In June 2019, Mrs C’s account was put onto a pay... (5 pages)View decision -
Decision Reference DRN-3106120
13 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3106120 The complaint Mr G complained that NewDay Ltd (trading as Aqua) acted irresponsibly when they increased his credit card limit with them on multiple occasions. He said that it should’ve been clear he was in a poor cycle of debt. What happened Mr G applied to Aqua for a credit ca... (4 pages)View decision -
Decision Reference DRN-5513653
30 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5513653 The complaint Miss B complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Miss B was approved for an Aqua credit card in January 2020 with a £300 credit limit. I have detailed the credit limit increases below: December 2020 £300 to £1,300 May 20... (4 pages)View decision -
Decision Reference DRN-2275516
10 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2275516 The complaint Ms W complains that Aqua lent irresponsibly when it approved her credit card application and later went on to increase the credit limit. Ms W also complains that Aqua sold her debt to a third party despite being aware she was vulnerable. What happened On 3 June 20... (3 pages)View decision -
Decision Reference DRN-2497750
11 Jan 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2497750 The complaint Mr N complains that NewDay Ltd (trading as Aqua) increased his credit card limit several times - beyond what he could afford to repay. Mr N also complains that Aqua made matters worse by increasing his interest rate. What happened Mr N opened a credit card account... (5 pages)View decision -
Decision Reference DRN-5585722
21 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5585722 The complaint Miss A complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Miss A was approved for an Aqua credit card in June 2022 with a £900 credit limit. I have detailed the credit limit increases below: November 2022 £900 to £1,900 February ... (5 pages)View decision -
Decision Reference DRN-5167526
25 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5167526 The complaint Mr W complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr W 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 W hims... (5 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