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 DRN-4371355
11 Oct 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4371355 The complaint Mr H says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr H applied for a credit card in September 2019. It was approved with a limit of £450. In February 2022 this was increased to £1,450. Mr H says NewDay should never have increased his ... (2 pages)View decision -
Decision Reference DRN-3919388
1 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3919388 The complaint Mr C says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr C applied for a credit card in March 2018. It was approved with a limit of £250. His credit limit was increased once to £1,250 in July 2022. After Mr C complained to NewDay saying t... (2 pages)View decision -
Decision Reference DRN-5069810
15 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5069810 The complaint Mr A, through a representative, says NewDay Ltd, trading as Marbles, irresponsibly lent to him. What happened Mr A applied for a credit card from NewDay in August 2017. It was approved with a limit of £900. This was decreased to £600 in November 2017. He was th... (4 pages)View decision -
Decision Reference DRN-5126175
5 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5126175 The complaint Mrs G complains that NewDay Ltd trading as Fluid (“NewDay”) was irresponsible to open a credit account for her and to later increase the credit limit. Mrs G has brought her complaint via a representative but I will refer to her throughout for simplicity. What... (5 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 -
Decision Reference DRN-3478493
25 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3478493 The complaint Miss S complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved a credit card application for Miss S in August 2016. They initially provided a credit limit of £300 but... (3 pages)View decision -
Decision Reference DRN-2274716
3 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2274716 The complaint Mrs C complains that NewDay Ltd trading as Aqua (‘NewDay’) acted irresponsibly when they provided her a credit card in February 2017. Mrs C also complains that NewDay didn’t consider her gambling addiction when offering her the card. What happened Mrs C applied fo... (3 pages)View decision -
Decision Reference DRN-5270346
3 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5270346 The complaint Mr B, through a representative, says NewDay Ltd, trading as Marbles Card, irresponsibly lent to him. What happened Mr B opened a credit card with NewDay in January 2018. He was given a £300 credit limit. This was increased to £1,200 in June 2018, to £2,600 in O... (3 pages)View decision -
Decision Reference DRN-5494879
30 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5494879 The complaint Miss K complains that NewDay Ltd trading as Aqua was irresponsible in its lending to her. What happened Miss K was provided with an Aqua credit card account in December 2021 with an initial credit limit of £1,200. Miss K has explained that she had fled domestic... (4 pages)View decision -
Decision Reference DRN-4818168
24 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4818168 The complaint Mr R complains that NewDay Ltd was irresponsible to lend to him. What happened Mr R had eight NewDay credit cards as follows: Aqua – opened on 20 October 2014; Burton – opened on 26 June 2016; Topman – opened on 28 June 2016; Marbles – opened on 14 December 20... (3 pages)View decision