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-5405457
14 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5405457 The complaint Mr M complains about NewDay Ltd, trading as Aqua, lending to him irresponsibly. What happened In September 2021, Mr M applied for an Aqua credit card. NewDay approved this with a credit limit of £600. In 2024, Mr M complained to NewDay as he considers their l... (3 pages)View decision -
Decision Reference DRN-3782320
1 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3782320 The complaint Miss T complains that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it provided her with a credit card. What happened NewDay opened a credit card account for Miss T in May 2018 with a credit limit of £900. This type of credit was an open-ended or... (3 pages)View decision -
Decision Reference DRN-5715511
30 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5715511 The complaint Mr W complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and increased the credit limit on one of the accounts. What happened Mr W applied for a Fluid credit card in January 2019. In his application, Mr W said he ... (3 pages)View decision -
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-3330637
29 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3330637 The complaint Mrs C says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs C applied for a credit card in September 2018. It was approved with a limit of £450 and she was given five subsequent credit limit increases by NewDay – in January 2019 to £1,700,... (3 pages)View decision -
Decision Reference DRN-5217407
20 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5217407 The complaint Miss G, represented by a third party, complains that NewDay Ltd was irresponsible in its lending to her. What happened In February 2022 NewDay provided Miss G with a credit card with an initial limit of £1,200. The limit was increased to £1,500 in December 202... (3 pages)View decision -
Decision Reference DRN3532260
21 Mar 2018 NewDay Ltd Not upheldBanking and creditMr N complains that NewDay Ltd lent him money through his credit card account that he couldn’t afford to pay back.backgroundMr N said that he opened a card account with NewDay, but he already had a considerable amount of debt when he applied. Then NewDay increased hi... (2 pages)View decision -
Decision Reference DRN-4371355
11 Oct 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4371355 The complaint Mr H says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr H applied for a credit card in September 2019. It was approved with a limit of £450. In February 2022 this was increased to £1,450. Mr H says NewDay should never have increased his ... (2 pages)View decision -
Decision Reference DRN-3919388
1 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3919388 The complaint Mr C says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr C applied for a credit card in March 2018. It was approved with a limit of £250. His credit limit was increased once to £1,250 in July 2022. After Mr C complained to NewDay saying t... (2 pages)View decision -
Decision Reference DRN-5610090
9 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5610090 The complaint Mrs S complains that NewDay Ltd trading as Marbles Card was irresponsible in its lending to her. She wants all interest and charges refunded along with statutory interest and any adverse information removed from her credit file. Mrs S is represented by a third ... (4 pages)View decision