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-4895290
22 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4895290 The complaint Mr B complains that NewDay Ltd, trading as Aqua, irresponsibly provided him with a credit card account and credit limit increases (CLIs) that he couldn’t afford. What happened In August 2021, Mr B applied for, and obtained, a NewDay credit card account. The cre... (3 pages)View decision -
Decision Reference DRN-5047877
23 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5047877 The complaint Mr T complains, through his representative, that NewDay Limited lent to him by approving a card he could not afford to pay off. Mr T says it lent irresponsibly when it increased his credit limits. He wants all interest, fees, and charges plus 8% interest refund... (4 pages)View decision -
Decision Reference DRN-2274716
3 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2274716 The complaint Mrs C complains that NewDay Ltd trading as Aqua (‘NewDay’) acted irresponsibly when they provided her a credit card in February 2017. Mrs C also complains that NewDay didn’t consider her gambling addiction when offering her the card. What happened Mrs C applied fo... (3 pages)View decision -
Decision Reference DRN-2804177
24 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2804177 The complaint Ms M complains that NewDay Ltd irresponsibly allowed her to open two credit card accounts which were unaffordable. What happened Ms M says she opened two NewDay credit card accounts in 2020. She says the lending was unaffordable and NewDay didn’t carry out any che... (2 pages)View decision -
Decision Reference DRN-5036589
23 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5036589 The complaint Miss F says NewDay Ltd irresponsibly lent to her. What happened Miss F took out a credit card from NewDay in November 2018. She was given a £450 limit. This was increased five times to reach £5,600 in October 2021. Miss F says if NewDay had properly checked her... (3 pages)View decision -
Decision Reference DRN-4818168
24 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4818168 The complaint Mr R complains that NewDay Ltd was irresponsible to lend to him. What happened Mr R had eight NewDay credit cards as follows: Aqua – opened on 20 October 2014; Burton – opened on 26 June 2016; Topman – opened on 28 June 2016; Marbles – opened on 14 December 20... (3 pages)View decision -
Decision Reference DRN-3709445
31 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3709445 The complaint Mr W complains that NewDay Ltd trading as Marbles irresponsibly granted credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr W in June 2021. It provided an initial credit limit of £450. This was increased to £1450... (2 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-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-3699641
13 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3699641 The complaint Mrs S complains that NewDay Ltd lent to her irresponsibly. She says the lending was unaffordable for her. What happened Mrs S took out a credit card with NewDay, branded as ‘Aqua’, in April 2018. It had an initial credit limit of £450. In September 2018, Mrs S to... (3 pages)View decision