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-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-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-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-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-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 DRN6497810
2 Nov 2017 NewDay Ltd Not upheldBanking and creditMr M complained that NewDay Ltd had put up the limit and the interest rate on his credit card, when it should’ve known he couldn’t afford it.backgroundMr M said that NewDay repeatedly raised the credit limit on his account, although he wasn’t managing the account ... (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 -
Decision Reference DRN-4032621
5 Apr 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4032621 The complaint Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr S applied for a credit card with Aqua in March 2019. Aqua approved the application and gave Mr S a credit card with an initial credit limit of £900. Mr S says that Aqua lent... (2 pages)View decision -
Decision Reference DRN-3930629
27 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3930629 The complaint Mr C complains that NewDay Ltd irresponsibly gave him a credit card account that he couldn’t afford. What happened On 23 November 2015, Mr C applied for a credit account with NewDay Ltd. The credit was approved with an initial credit limit of £450. There were thre... (2 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
