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-5625715
4 Dec 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5625715 The complaint NewDay Ltd trading as Aqua provided Miss A with a credit card in 2021. It had a credit limit of £1,200. Miss A says the credit was provided irresponsibly. What happened Miss A complains about NewDay’s lending decisions below: Date Event Credit Limit April 202... (2 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-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-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-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 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 DRN4059760
24 Jun 2019 NewDay Ltd Not upheldBanking and creditMr H complains that NewDay Ltd lent irresponsibly when it gave him a credit card account.backgroundMr H said NewDay accepted his application for a credit card. But he couldn’t afford it. He had a lot of debt and was using payday loans. His account was always at the limit and he was only pa... (2 pages)View decision -
Decision Reference DRN-2707817
19 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2707817 The complaint Mr G complains that NewDay Ltd lent to him irresponsibly through two credit card accounts they gave him. He feels this led to him getting into a spiral of debt and having to go onto a debt management plan. What happened In November 2013 Mr G applied for a credit c... (4 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-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