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 1021 results
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Decision Reference DRN-3975704
21 Mar 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3975704 The complaint Mrs B complains that NewDay Ltd irresponsibly gave her two credit card accounts that she couldn’t afford. What happened On 25 August 2019, Mrs B’s Aqua credit card was opened by NewDay Ltd with an initial credit limit of £450. The credit limit was increased to £1,... (4 pages)View decision -
Decision Reference DRN-3469121
10 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3469121 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. What happened Mr S took out an Aqua credit card in November 2018. It initially had a credit limit of £1,200. Mr S thinks the initial limit was fair but then the credit limit wa... (3 pages)View decision -
Decision Reference DRN-3332199
22 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3332199 The complaint Miss C says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Miss C applied for a credit card in March 2017. It was approved with a limit of £1,200 and she was given five subsequent credit limit increases by NewDay. The first increase in July ... (3 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-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-3667040
25 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3667040 The complaint Miss T says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Miss T applied for a credit card in November 2015. It was approved with a limit of £300 and she was given six subsequent credit limit increases by NewDay. The first increase in May 2... (4 pages)View decision -
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-2868860
21 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2868860 The complaint Miss G complains that NewDay trading as Aqua irresponsibly allowed her to open two credit card accounts and later increased the credit limit. She complains that the lending was unaffordable. What happened Miss G says her credit card accounts were unaffordable and ... (3 pages)View decision -
Decision Reference DRN-5164403
26 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5164403 The complaint Mr W has complained about a credit card NewDay Ltd trading as Fluid Credit Card (“NewDay”) provided to him. Mr W says that he shouldn’t have been given the credit card as it was unaffordable for him. What happened In April 2021 NewDay provided Mr W with a cre... (3 pages)View decision -
Decision Reference DRN-4850509
3 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4850509 The complaint Miss W is complaining about NewDay Ltd because she says it lent irresponsibly when providing her with four different credit cards. What happened After various applications, Miss W opened the following credit card accounts with NewDay: Marbles – application 17 Jan... (5 pages)View decision
