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-4178613
26 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4178613 The complaint Mr P complains that NewDay Ltd trading as NewDay Cards lent to him irresponsibly. What happened In February 2019 Mr P applied for a Debenhams card. NewDay approved the application and gave Mr P a card with an initial credit limit of £500. The credit limit was incr... (3 pages)View decision -
Decision Reference DRN-4019360
21 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4019360 The complaint Ms T says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Ms T applied for a credit card in May 2018. It was approved with a limit of £1,200. Ms T says NewDay should never have lent to her. If it had checked her credit file it would have seen... (2 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-4160740
7 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4160740 The complaint Miss P says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Miss P applied for a credit card in January 2020. It was approved with a limit of £300 and she was given four subsequent credit limit increases by NewDay. The first increase was in O... (3 pages)View decision -
Decision Reference DRN-2822751
15 Jun 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2822751 The complaint Mr M complains that NewDay Ltd irresponsibly allowed him to open two credit card accounts which were unaffordable. What happened Mr M says he opened the two NewDay credit card accounts in 2015 and says appropriate credit checks were not carried out. He says he was... (2 pages)View decision -
Decision Reference DRN-3658324
20 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3658324 The complaint Mrs W complains for and behalf of the estate of Mrs S that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it provided the late Mrs S with a credit card and increased her credit limit on three occasions. What happened NewDay opened a credit card ac... (5 pages)View decision -
Decision Reference DRN-3012006
14 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3012006 The complaint Ms K complains about NewDay Ltd (“NewDay”) for proactively increasing her credit card limit on multiple occasions. She feels that the lending was irresponsible and caused her to incur greater debt. She wants NewDay to refund the interest and charges applied to her... (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-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 DRN4567452
13 May 2019 NewDay Ltd Not upheldBanking and creditMr G complains that NewDay Ltd irresponsibly increased the credit limit on his credit card in 2016 when he’d already exceeded his existing credit limit and couldn’t pay it back. He wants a refund of interest and charges and his credit file amended. backgroundNewDay sai... (3 pages)View decision
