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 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 DRN-3747831
12 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3747831 The complaint Mr M says NewDay Ltd irresponsibly lent to him. What happened Mr M applied for a credit card with NewDay in 2010 (Card 1), it was approved with a limit of £350. Mr M was given eight subsequent credit limit increases, with a final credit limit of £4,700. Mr M says ... (3 pages)View decision -
Decision Reference DRN-5196463
15 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5196463 The complaint Mrs B complains that NewDay Ltd (trading as Marbles Card) was irresponsible when it offered her credit. What happened NewDay opened a credit card account for Mrs B in early August 2022 with a credit limit of £900. This type of credit was an open-ended or runni... (3 pages)View decision -
Decision Reference DRN-3328328
21 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3328328 The complaint Ms D, through a representative, says NewDay Ltd irresponsibly lent to her. What happened Ms D took out four credit cards from NewDay. A summary of her borrowing follows. card taken out initial limit, £ limit increase new limit, £ 1 Nov-17 450 - - 2 Aug-19 450 Mar-... (3 pages)View decision -
Decision Reference DRN-3730397
11 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3730397 The complaint Mr C complains that NewDay Ltd lent to him irresponsibly. What happened In August 2015 Mr C opened a credit card account with NewDay, trading as Aqua. He had an account limit of £300, which was increased to £1,300 in January 2016 and then to £1,900 in May 2016. In... (3 pages)View decision -
Decision Reference DRN-5330015
2 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5330015 The complaint Miss B complains NewDay Ltd lent to her irresponsibly when they approved her application for a credit card. Miss B is represented by a claims management company in this complaint, but I’ll refer to her throughout my decision. What happened Miss B complains Ne... (3 pages)View decision -
Decision Reference DRN-5840928
25 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5840928 The complaint Mr G complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and increased the credit limit on both accounts. What happened The background to this complaint and my initial conclusions were set out in a provisional dec... (5 pages)View decision -
Decision Reference DRN-3169391
24 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3169391 The complaint Miss L complains that NewDay Ltd irresponsibly increased the credit limit on her account to unaffordable levels. She also complains that NewDay suspended the use of her account when she brought her complaint. What happened Miss L says the NewDay account was opened... (3 pages)View decision -
Decision Reference DRN-3579470
15 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3579470 The complaint Mr O complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him a credit card account that he couldn’t afford to repay. What happened Mr O entered into an agreement with NewDay to have access to credit with an account that was opened for him ... (2 pages)View decision -
Decision Reference DRN-5786879
17 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5786879 The complaint With the help of a professional representative (PR), Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. For ease, I’ll refer to the actions of the PR as being those of Mr S. What happened Mr S applied for and received a credit card with N... (4 pages)View decision
