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
-
Decision Reference DRN-5119069
20 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5119069 The complaint Mr A complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened In December 2017 Mr A applied for a credit card with NewDay. NewDay approved the application and gave Mr A a credit card with an initial credit limit of £900. The credit lim... (3 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 DRN3550806
20 Oct 2020 NewDay Ltd UpheldBanking and creditMrs W complains on behalf of the estate of Mr W. She says that New Day Ltd (trading as Debenhams Mastercard) irresponsibly provided a credit card facility to her late father. Mrs W also says NewDay provided poor customer service during the complaint process. background In June 2015, NewDay... (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-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-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-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-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-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