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-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-5359520
27 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5359520 The complaint Mrs K complains that NewDay Ltd lent irresponsibly when it approved two credit card applications she made and increased the credit limits. What happened Mrs K applied for a Marbles credit card with NewDay in April 2021. In her application Mrs K said she was em... (4 pages)View decision -
Decision Reference DRN-5757170
18 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5757170 The complaint Mrs L complains that NewDay Ltd lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs L applied for a NewDay credit card in November 2015. Due to the passage of time, the application Mrs L compl... (3 pages)View decision -
Decision Reference DRN-5221508
10 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5221508 The complaint Mrs S complains that NewDay Ltd, trading as Aqua (“NewDay”) lent to her irresponsibly when it approved a credit card for her in September 2017 as well as the four subsequent credit limit increases. What happened NewDay approved the card for Mrs S in September 2... (4 pages)View decision -
Decision Reference DRN-4869036
9 Jul 2024 NewDay Ltd Not upheldConsumer CreditDRN-4869036 Complaint Mr S has complained about a credit card NewDay Ltd (“NewDay”) provided to him. He says that he shouldn’t have been given the credit card as it was unaffordable for him. Background NewDay provided Mr S with a credit card with a credit limit of £900 in November 2020. Mr... (3 pages)View decision -
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-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-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 -
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-3297572
30 Mar 2022 NewDay Ltd UpheldConsumer CreditDRN-3297572 The complaint Mrs A says NewDay Ltd lent to her irresponsibly. What happened Mrs A took out a 60-month instalment loan for £5,000 from NewDay on 10 December 2018. The monthly repayments were £132.41 and the total repayable was £7,994.74. I understand there is an outstanding bal... (3 pages)View decision