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-4868904
24 Jun 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4868904 The complaint Mrs G complains that NewDay Ltd trading as Aqua Classic was irresponsible in its lending to her. She wants all interest, fees and charges refunded along with compensatory interest and any adverse information removed from her credit file. Mrs G is represented by a ... (4 pages)View decision -
Decision Reference DRN-3605525
10 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3605525 The complaint Miss N complains that NewDay Ltd lent to her irresponsibly and charged high rates of interest. What happened Miss N took out an Aqua credit card with NewDay in March 2017 with an initial credit limit of £900, followed by three credit limit increases. The account w... (4 pages)View decision -
Decision Reference DRN-3521678
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3521678 The complaint Ms P has complained that NewDay Ltd trading as Marbles Card irresponsibly lent to her. What happened Ms P was provided with a Marbles branded credit card, which had an initial credit limit of £450, in May 2019. The credit limit on this account was increased on fiv... (3 pages)View decision -
Decision Reference DRN-5287893
10 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5287893 The complaint Mr T has complained that NewDay Ltd acted irresponsibly when it provided him with two credit cards in 2020 and 2022. Background Mr T applied for a ‘Marbles’ credit card with NewDay in August 2020. His application was approved, and he was provided with a card wi... (3 pages)View decision -
Decision Reference DRN-2981332
4 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-2981332 The complaint In summary, Mr S has complained that NewDay Ltd trading as Aqua, irresponsibly provided him with a credit card and credit limit increases. What happened In January 2015, NewDay provided Mr S with a credit card. The initial credit limit was £600. In April 2015, the... (3 pages)View decision -
Decision Reference DRN-4472557
18 Jan 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4472557 The complaint Mr B complains that NewDay Ltd trading as Aqua (‘NewDay Ltd’) irresponsibly gave him a credit card that he couldn’t afford. What happened On 9 May 2021, Mr B applied for and was given a credit card with a credit limit of £900. The credit limit was increased to £1,... (2 pages)View decision -
Decision Reference DRN-4413501
23 Oct 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4413501 The complaint Miss E complains that NewDay Ltd irresponsibly gave her a store card and two credit cards that she couldn’t afford to repay. What happened In 2010, Miss E applied for a store card with NewDay. Due to how long ago it was taken out there is limited information avail... (3 pages)View decision -
Decision Reference DRN2911171
10 Sep 2019 NewDay Ltd UpheldBanking and creditMr N complains that NewDay Ltd was irresponsible when it gave him a credit card, and then some months later increased the amount he was able to borrow. He says although he’s paid the debt back, he wants NewDay to remove any mention of the arrangement he had to make to repay the debt.backgr... (3 pages)View decision -
Decision Reference DRN-3300026
24 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3300026 The complaint Ms S has complained that NewDay Ltd irresponsibly lent to her. What happened Ms S opened an Aqua credit card account with NewDay in December 2020. Her credit limit was set at £900. Ms S, through her representative, says that NewDay shouldn’t have allowed her to op... (2 pages)View decision -
Decision Reference DRN-3102246
23 Dec 2021 NewDay Ltd UpheldConsumer CreditDRN-3102246 The complaint Mr H complains that NewDay Ltd (NewDay) closed his credit card account and charged him interest during payment holidays. What happened Mr H had a marbles loan and credit card from NewDay. The loan was for £2,400 payable over 24 months and was repaid. The credit ca... (3 pages)View decision
