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-3473424
22 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3473424 The complaint Mr E has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr E opened a credit card account with NewDay (trading as Aqua) in December 2017. His credit limit was £450 and was never increased. Mr E says that NewDay shouldn’t have ... (2 pages)View decision -
Decision Reference DRN-4146302
5 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4146302 The complaint Mr G complains that NewDay Ltd trading as Debenhams lent to him irresponsibly. What happened In September 2017 Mr G applied for a Debenhams card. NewDay approved the application and gave Mr G a card with an initial credit limit of £500. The credit limit was increa... (3 pages)View decision -
Decision Reference DRN-1730347
24 Apr 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1730347The complaintMr C complains that NewDay Ltd acted irresponsibly when lending him money.What happenedMr C applied for his first account with NewDay in December 2014 and an Aqua card account with a limit of £100 was agreed. In March 2016 Mr C applied for a second account with NewD... (2 pages)View decision -
Decision Reference DRN-5434888
28 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5434888 The complaint Miss H has complained that NewDay Ltd trading as Aqua acted irresponsibly when it gave her a credit card ending 5303 in May 2024. Miss H argues that the credit is unaffordable and that NewDay failed to take her financial circumstances into account before it off... (3 pages)View decision -
Decision Reference DRN-3568944
1 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3568944 The complaint Mr T complains that NewDay Ltd lent irresponsibly when it approved credit card applications for its Aqua and Amazon accounts and later increased the credit limits. What happened The background to this complaint and my initial conclusions were set out in my provisi... (4 pages)View decision -
Decision Reference DRN-3585299
27 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3585299 The complaint Ms C complains that NewDay Ltd lent to her irresponsibly. What happened In August 2015 Ms C opened a store card account with NewDay. She had an account limit of £1,000 which was increased to £1,300 in February 2016. Ms C says that NewDay shouldn’t have lent to her... (3 pages)View decision -
Decision Reference DRN6146019
4 Mar 2020 NewDay Ltd UpheldBanking and creditMr H complains that NewDay Ltd, trading as Aqua, kept increasing his credit limit without checking he could afford the payments. And that they wrongly sold his account to a debt collection agency before helping him.backgroundI recently issued my provisional conclusions setting out the even... (10 pages)View decision -
Decision Reference DRN-3501907
21 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3501907 The complaint Mr C has complained that NewDay Ltd irresponsibly lent to him. He says he was provided with credit that he couldn’t afford and he lost out as a result. What happened Mr C opened a credit card account with NewDay in March 2019. His credit limit was initially £250. ... (4 pages)View decision -
Decision Reference DRN-3471150
16 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3471150 The complaint Mr O complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. What happened Mr O says that adequate checks weren’t carried out before he was provided with an Amazon credit card by NewDay. He says at the time he had several other cards. Ne... (3 pages)View decision -
Decision Reference DRN-1715396
21 Jul 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1715396 The complaintMr M’s complaint about NewDay Ltd trading as Aqua (NewDay) relates to Irresponsible lending and increases in his credit limit. What happenedOur investigator’s background summary covered all the relevant facts and issues, and is known to both Mr M and NewDay, so th... (3 pages)View decision
