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-5044560
10 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5044560 The complaint Mr J complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr J’s complaint is about a credit card supplied by NewDay. The account was opened in July 2021 with an initial credit limit of £1,200. The credit limit was increased to £24... (2 pages)View decision -
Decision Reference DRN4949041
3 Apr 2018 NewDay Ltd Not upheldBanking and creditMs B complains that NewDay Ltd was irresponsible in increasing the limit on one of her credit cards, and then accepting her application for another one.backgroundMs B has two separate credit cards provided by NewDay. The first was taken out in November 2015 and her cred... (2 pages)View decision -
Decision Reference DRN-2955123
18 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2955123 The complaint Mr F complains that NewDay Ltd irresponsibly allowed him to open three credit card accounts which were unaffordable and also increased the credit limit on one of the accounts. What happened Mr F says he opened three NewDay credit card accounts all of which were un... (3 pages)View decision -
Decision Reference DRN-3895586
1 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3895586 The complaint Mr S says NewDay Ltd irresponsibly lent to him. What happened This complaint is about two credit card accounts NewDay Ltd provided. The Marbles account was opened in July 2018. Mr S was given an initial credit limit of £1,200. This limit was increased four times u... (3 pages)View decision -
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 DRN-5537049
1 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5537049 The complaint Mr G complains that NewDay Ltd trading as Marbles lent to him irresponsibly. What happened In May 2022 Mr G applied for a credit card with NewDay. NewDay approved the application and gave Mr G a credit card with a credit limit of £900. Mr G complained that NewD... (3 pages)View decision -
Decision Reference DRN-3028657
6 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3028657 The complaint Ms M complains that NewDay Ltd (Newday) lent to her irresponsibly and shouldn’t have suspended her Aqua card in November 2020. What happened Ms M applied for an Aqua card in January 2014 and was given a limit of £250. Then, increases were agreed on the Aqua card, ... (4 pages)View decision -
Decision Reference DRN-5282154
17 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5282154 The complaint Ms M has complained that NewDay Ltd acted irresponsibly when it gave her three credit card accounts. Ms M is represented in the complaint but for simplicity I will refer to Ms M throughout as if all submissions have been made by her. What happened I don’t nee... (3 pages)View decision -
Decision Reference DRN-2691764
19 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2691764 The complaint Mrs B complains that NewDay Ltd irresponsibly allowed her to open three credit card accounts that were unaffordable. What happened Mrs B says she opened the NewDay accounts in 2017 and 2018 but it should have been obvious that she was in financial difficulties and... (2 pages)View decision -
Decision Reference DRN-2609121
26 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2609121 The complaint Mrs F complains that NewDay Ltd, trading as Aqua, acted irresponsibly when it increased the limits on her credit on several occasions. What happened Mrs F had an Aqua credit card which she’d taken out in 2012 with an initial limit of £250. NewDay increased the li... (5 pages)View decision