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
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Decision Reference DRN4567452
13 May 2019 NewDay Ltd Not upheldBanking and creditMr G complains that NewDay Ltd irresponsibly increased the credit limit on his credit card in 2016 when he’d already exceeded his existing credit limit and couldn’t pay it back. He wants a refund of interest and charges and his credit file amended. backgroundNewDay sai... (3 pages)View decision -
Decision Reference DRN-5127011
5 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5127011 The complaint Miss B complains that NewDay Ltd was irresponsible to open three credit accounts for her and to later increase the credit limits. Miss B has brought her complaint via a representative but I will refer to her throughout for simplicity. What happened NewDay Ltd... (6 pages)View decision -
Decision Reference DRN-3733785
1 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3733785 The complaint Miss G has complained that NewDay Ltd trading as Aqua irresponsibly lent to her. She says she was provided with credit that she couldn’t afford, and she lost out as a result. What happened Miss G opened a credit card account with NewDay in August 2015. Her credit ... (4 pages)View decision -
Decision Reference DRN-5405457
14 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5405457 The complaint Mr M complains about NewDay Ltd, trading as Aqua, lending to him irresponsibly. What happened In September 2021, Mr M applied for an Aqua credit card. NewDay approved this with a credit limit of £600. In 2024, Mr M complained to NewDay as he considers their l... (3 pages)View decision -
Decision Reference DRN-5957696
18 Nov 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5957696 The complaint Mr J complains that NewDay Ltd irresponsibly lent to him. What happened • Mr J was approved for an NewDay credit card (which I will refer to as A in this decision), in March 2019 with a credit limit of £300. I have detailed the credit limit changes below: Septe... (5 pages)View decision -
Decision Reference DRN-5051912
10 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5051912 The complaint Mr F complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr F applied for a credit card with NewDay in February 2015, NewDay approved the application and gave Mr F a credit card with an initial credit limit of £250. The credit lim... (3 pages)View decision -
Decision Reference DRN-5256301
27 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5256301 The complaint Mr F complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr F applied for a credit card with Aqua in January 2018. In his application, Mr F said he was em... (3 pages)View decision -
Decision Reference DRN-5485712
30 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5485712 The complaint Miss H complains NewDay Ltd trading as Aqua and Marbles (NewDay) acted irresponsibly when it provided her with two credit card accounts. What happened Miss H says NewDay approved two credit card accounts for her - card A in November 2019 with an initial credit ... (3 pages)View decision -
Decision Reference DRN-4019360
21 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4019360 The complaint Ms T says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Ms T applied for a credit card in May 2018. It was approved with a limit of £1,200. Ms T says NewDay should never have lent to her. If it had checked her credit file it would have seen... (2 pages)View decision -
Decision Reference DRN-3012006
14 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3012006 The complaint Ms K complains about NewDay Ltd (“NewDay”) for proactively increasing her credit card limit on multiple occasions. She feels that the lending was irresponsible and caused her to incur greater debt. She wants NewDay to refund the interest and charges applied to her... (3 pages)View decision