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 1173 results
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Decision Reference DRN-3501907
21 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3501907 The complaint Mr C has complained that NewDay Ltd irresponsibly lent to him. He says he was provided with credit that he couldn’t afford and he lost out as a result. What happened Mr C opened a credit card account with NewDay in March 2019. His credit limit was initially £250. ... (4 pages)View decision -
Decision Reference DRN-4146302
5 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4146302 The complaint Mr G complains that NewDay Ltd trading as Debenhams lent to him irresponsibly. What happened In September 2017 Mr G applied for a Debenhams card. NewDay approved the application and gave Mr G a card with an initial credit limit of £500. The credit limit was increa... (3 pages)View decision -
Decision Reference DRN-3568944
1 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3568944 The complaint Mr T complains that NewDay Ltd lent irresponsibly when it approved credit card applications for its Aqua and Amazon accounts and later increased the credit limits. What happened The background to this complaint and my initial conclusions were set out in my provisi... (4 pages)View decision -
Decision Reference DRN-5717885
28 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5717885 The complaint Miss W complains NewDay Ltd trading as AO Finance failed to carry out sufficient checks before giving her a credit card. What happened Miss W complains NewDay lent to her irresponsibly when they gave her a credit card in April 2022, with a £700 credit limit. ... (3 pages)View decision -
Decision Reference DRN-3471150
16 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3471150 The complaint Mr O complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. What happened Mr O says that adequate checks weren’t carried out before he was provided with an Amazon credit card by NewDay. He says at the time he had several other cards. Ne... (3 pages)View decision -
Decision Reference DRN-3594533
14 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3594533 The complaint Mr C says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr C applied for a credit card in April 2014. It was approved with a limit of £250 and he was given six subsequent credit limit increases by NewDay. A summary follows. Mr C says NewDay... (3 pages)View decision -
Decision Reference DRN-3504864
20 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3504864 The complaint Miss H complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss H was provided with an Aqua credit card with an initial credit limit of £300 and the credit limit was gradually increased to £2,500. She says that NewDay had not been prov... (4 pages)View decision -
Decision Reference DRN-3585299
27 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3585299 The complaint Ms C complains that NewDay Ltd lent to her irresponsibly. What happened In August 2015 Ms C opened a store card account with NewDay. She had an account limit of £1,000 which was increased to £1,300 in February 2016. Ms C says that NewDay shouldn’t have lent to her... (3 pages)View decision -
Decision Reference DRN-4127110
12 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4127110 The complaint Mr O complains that NewDay Ltd lent irresponsibly when it increased the credit limit on his Aqua and Marbles credit cards in 2021. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mr O appli... (5 pages)View decision -
Decision Reference DRN-5441293
3 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5441293 The complaint Mr W complains that NewDay Ltd (“NewDay”) lent to him irresponsibly when it provided him with a credit card account and subsequent credit limit increases. For ease of reference, I will refer to Mr W when referring to both him and his representative. What happ... (3 pages)View decision