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 1018 results
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Decision Reference DRN-2642735
2 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2642735 The complaint Mr M complains that NewDay Ltd (“NewDay”) irresponsibly lent to him across several credit cards which has caused him financial hardship and debts he cannot repay. What happened The background to this complaint is well known to both parties and has been detailed by... (2 pages)View decision -
Decision Reference DRN-3253055
18 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3253055 Complaint Mr M has, amongst other things, complained that NewDay Ltd (“NewDay”) irresponsibly provided unaffordable credit to him on two credit cards. Background Mr M was provided with an Aqua branded credit card, which had an initial credit limit of £250, in October 2014. The... (3 pages)View decision -
Decision Reference DRN-5805832
24 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5805832 The complaint Miss H says NewDay Ltd (‘NewDay’), irresponsibly lent to her. She says that it didn’t take reasonable steps to ensure she could afford the repayments towards two credit cards. She says that NewDay increased the credit limit on the cards to the point that they w... (4 pages)View decision -
Decision Reference DRN-3479382
29 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3479382 The complaint Mr R says NewDay Ltd (“NewDay”) irresponsibly lent to him. He has requested that the interest and late payment charges he paid on the account be refunded. What happened This complaint is about a credit card account, trading as Marbles, provided by NewDay to Mr R. ... (3 pages)View decision -
Decision Reference DRN-3666470
8 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3666470 The complaint Mrs M complains that NewDay Ltd (“NewDay”) irresponsibly granted her three credit accounts that she couldn’t afford to repay. What happened Mrs M entered into agreements with NewDay to have access to credit with three separate credit card accounts. The first, a Ma... (4 pages)View decision -
Decision Reference DRN-2847902
21 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2847902 The complaint Mr A complains New Day Ltd trading as Marbles (NewDay) lent to him irresponsibly. What happened Mr A applied for a credit card with NewDay and it agreed a relatively small credit limit. Over a short space of time NewDay increased Mr A’s credit limit to close to fi... (3 pages)View decision -
Decision Reference DRN-5692776
23 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5692776 The complaint Mr B says NewDay Ltd trading as Aqua (‘NewDay’), irresponsibly lent to him. He says it didn’t take reasonable steps to ensure he could afford the repayments towards a credit card. He says that this has caused him some financial problems over the time he has use... (4 pages)View decision -
Decision Reference DRN-4651765
8 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4651765 The complaint Mr A, who is represented by a third party, complains that NewDay Ltd (“NewDay”) irresponsibly granted him three credit card accounts that he couldn’t afford to repay. What happened Mr A entered into agreements with NewDay to have access to credit with three separa... (3 pages)View decision -
Decision Reference DRN-3644725
14 Apr 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3644725 The complaint Miss P complained that NewDay Ltd, trading as Aqua (“NewDay”), irresponsibly granted her a credit card account that she couldn’t afford to repay. What happened Miss P took out a credit card with NewDay in May 2018 (card number ending 7900). This card account was c... (3 pages)View decision -
Decision Reference DRN-4803519
17 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4803519 The complaint Mrs K has complained that NewDay Ltd, trading as Aqua (“NewDay”), irresponsibly granted her a credit card account, which she couldn’t afford to repay. What happened Mrs K took out a credit card with NewDay in July 2019, with a credit limit of £1,200. Mrs K said sh... (3 pages)View decision
