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 1021 results
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Decision Reference DRN-4171018
6 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4171018 The complaint Miss M says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Miss M applied for a credit card from NewDay in October 2017. It was approved with a limit of £600. She was given six subsequent credit limit increases, and one decrease, as set out ... (4 pages)View decision -
Decision Reference DRN1832081
11 Jun 2019 NewDay Ltd Not upheldBanking and creditMr M has complained that NewDay Ltd acted irresponsibly when it allowed him to take out a credit card.backgroundMr M took out a credit card with NewDay in August 2017. He says it shouldn’t have given him a credit card because of his poor credit history and he co... (2 pages)View decision -
Decision Reference DRN-4415349
8 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4415349 The complaint Mr F says NewDay Ltd, trading as Marbles, irresponsibly lent to him. What happened Mr F applied for a credit card in January 2022. It was approved with a limit of £900 and he was given two subsequent credit limit increases. The first was in June 2022 to £1,900 and... (3 pages)View decision -
Decision Reference DRN-3081877
19 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3081877 The complaint Miss K complains that NewDay Ltd irresponsibly allowed her to open a credit card account and later increased the credit limits. She says the lending was unaffordable. What happened Miss K says she opened the NewDay credit card account in 2015. She says her credit ... (3 pages)View decision -
Decision Reference DRN-5253654
10 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5253654 The complaint Mrs L says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs L took out an Aqua credit card from NewDay in December 2023. She was given a £1,200 credit limit. This was increased to £2,400 in April 2024. Mrs L says the repayments are unaf... (3 pages)View decision -
Decision Reference DRN-5691022
23 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5691022 The complaint Mrs M complains that NewDay Ltd lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs M applied for an Aqua credit card in January 2020. In her application, Mrs M said she was employed with an a... (3 pages)View decision -
Decision Reference DRN-5232425
12 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5232425 The complaint Mrs L’s complaint relates to a credit card she has with NewDay Ltd trading as Aquacard. She has said that she considers NewDay was irresponsible when it accepted her application, and later increased her credit limit on several occasions, as none were affordable... (3 pages)View decision -
Decision Reference DRN-3144158
19 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3144158 The complaint Mr C complains that NewDay Ltd was irresponsible in its lending to him. What happened Mr C applied for a credit card with NewDay in February 2017 and received a £600 credit limit. The limit was then increased in August 2018 to £1,200. Mr C says at the time he was ... (2 pages)View decision -
Decision Reference DRN4442384
12 Jul 2019 NewDay Ltd UpheldBanking and creditMiss A complains that NewDay Ltd acted irresponsibly in giving her a credit card and then frequently increasing its limit.backgroundI issued my provisional decision on this case on 13 May 2019. A copy of it is attached and it forms part of my final decision. The full background to the comp... (5 pages)View decision -
Decision Reference DRN6500563
19 Feb 2018 NewDay Ltd Not upheldBanking and creditMr M says it was irresponsible of NewDay Ltd to accept his application for a credit card, given his financial circumstances at the time.backgroundMr M applied for a credit card with NewDay in April 2016. NewDay accepted his application and set a credit limit of £450. ... (2 pages)View decision
