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 793 results
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Decision Reference DRN-5256301
27 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5256301 The complaint Mr F complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr F applied for a credit card with Aqua in January 2018. In his application, Mr F said he was em... (3 pages)View decision -
Decision Reference DRN-4142791
5 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4142791 The complaint Mr K complains that NewDay Ltd lent to him irresponsibly. What happened In December 2019 Mr K applied for an Argos card. NewDay approved the application and gave Mr K a card with an initial credit limit of £500 The credit limit was increased to £500 in December 20... (3 pages)View decision -
Decision Reference DRN-4510384
20 Feb 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4510384 The complaint Mr G complains about NewDay Ltd, trading as Aqua, increasing the interest rate on his credit card shortly after they increased the credit limit on his account. What happened In April 2023, Mr G and NewDay agreed a higher credit card limit. In July 2023, NewDay inf... (3 pages)View decision -
Decision Reference DRN-4868723
5 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4868723 The complaint Mr A, who is represented by a third party, complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him a credit card account he couldn’t afford to repay. What happened Mr A entered into an agreement with NewDay to have access to credit by way ... (3 pages)View decision -
Decision Reference DRN-3495402
13 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3495402 The complaint Ms H complains that NewDay Ltd, trading as Debenhams, lent to her irresponsibly. What happened In November 2020 Ms H opened a credit card account with NewDay. She had an account limit of £500 which didn’t change during the life of the account. Ms H says that NewDa... (3 pages)View decision -
Decision Reference DRN-3828709
28 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3828709 The complaint Mr M says NewDay Ltd irresponsibly lent to him. He has requested that the interest and late payment charges he paid be refunded. What happened This complaint is about credit provided by NewDay Ltd across four credit card accounts. The first credit card (‘Marbles’)... (5 pages)View decision -
Decision Reference DRN-3883676
5 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3883676 The complaint Ms E complains that NewDay Ltd trading as Aqua (“NewDay”) was irresponsible when it increased the limit on her credit card on three occasions. What happened NewDay opened a credit card account for Ms E in April 2018 in with a credit limit of £450. This type of cre... (5 pages)View decision -
Decision Reference DRN-3432778
15 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3432778 The complaint Miss P complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved a credit card application for Miss P in November 2019. They initially provided a credit limit of £450 bu... (2 pages)View decision -
Decision Reference DRN-3473549
20 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3473549 The complaint Mr C has complained that NewDay Ltd trading as Marbles and Aqua irresponsibly lent to him. What happened Mr C opened a credit card account with NewDay (trading as Aqua) in October 2015. His credit limit was initially £300. In July 2016 his credit limit was increas... (3 pages)View decision -
Decision Reference DRN-3807433
21 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3807433 The complaint Mrs D says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs D applied for a card in July 2018. She was approved and given a £300 limit. Her credit limit was never increased. Mrs D says NewDay should never have given her this unaffordable c... (2 pages)View decision
