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-3586109
12 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3586109 The complaint Mr C complains that NewDay Ltd trading as Aquacard (“NewDay”) acted irresponsibly when they agreed to provide him with a credit card account and later increased his account limit to an unaffordable level. What happened Around October 2015, Mr C applied to NewDay f... (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-2665630
9 Mar 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2665630 The complaint Ms G has complained that NewDay Ltd trading as Aqua (NewDay) provided her with a credit card when they shouldn’t have done. She believes that her financial position wasn’t strong enough to support the debt and that NewDay’s decision to lend to her was irresponsibl... (4 pages)View decision -
Decision Reference DRN-4516734
5 Jan 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4516734 The complaint Mr W complains that NewDay Ltd trading as Aqua was irresponsible when it offered him credit and later increased his credit limit. Mr W bought his complaint via a representative but I will refer to him throughout for simplicity. What happened NewDay opened a credit... (3 pages)View decision -
Decision Reference DRN-4133176
25 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4133176 The complaint Miss B complains that NewDay Ltd lent to her irresponsibly. What happened Miss B’s complaint is about two credit cards with NewDay. In July 2019 Miss B applied for a Fluid card. NewDay approved the application and gave Miss B a card with an initial credit limit of... (3 pages)View decision -
Decision Reference DRN-3882776
16 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3882776 The complaint Mr D complains that NewDay Ltd trading as Marbles lent to him irresponsibly by increasing his credit limit. What happened In April 2016 Mr D opened a credit card account with NewDay with an initial credit limit of £250. In November 2016 NewDay increased the credit... (3 pages)View decision -
Decision Reference DRN5638729
21 Mar 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd acted irresponsibly when they approved his application for a second credit card account. To put things right he wants them to refund him the interest and charges that were applied to the account when he later missed some payments.backgroun... (2 pages)View decision -
Decision Reference DRN-3525846
25 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3525846 The complaint Mr N complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr N in December 2020. The credit limit was set at £900 and was increased to ... (2 pages)View decision -
Decision Reference DRN-5728470
19 Aug 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5728470 The complaint Mr N complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved two credit card applications he made and later increased the credit limit. What happened Mr N applied for a Marbles credit card in November 2017. In his application, Mr N sai... (3 pages)View decision -
Decision Reference DRN-2703769
6 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2703769 The complaint Miss L complains that NewDay Ltd trading as Aqua was irresponsible in offering her a credit card in 2015. She’d like it to write off the balance and to refund all the interest already paid. What happened Miss L applied for an Aqua credit card in September 2015. He... (3 pages)View decision