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 793 results
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Decision Reference DRN-4145914
18 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4145914 The complaint Mr W complains that NewDay Ltd (‘NewDay’), trading as Aqua, irresponsibly granted him a credit card account he couldn’t afford to repay. What happened Mr W entered into an agreement with NewDay to have access to credit by way of a credit card account. The account ... (3 pages)View decision -
Decision Reference DRN-3835509
1 Dec 2022 NewDay Ltd Not upheldConsumer CreditDRN-3835509 The complaint Miss B complains that NewDay Ltd acted irresponsibly when they agreed to provide two credit card accounts and later increased the account limits to a level that was unaffordable. Miss B is represented by a claims management company (“the CMC”). What happened In Ma... (4 pages)View decision -
Decision Reference DRN-4994721
27 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4994721 The complaint Mr M complains that NewDay Ltd trading as Aqua (NewDay) didn’t sufficiently check whether he could sustain the repayments when opening his credit card account. And providing him with subsequent credit limit increases. In bringing his complaint Mr M is represen... (3 pages)View decision -
Decision Reference DRN-3803728
28 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3803728 The complaint Mr L says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr L opened an Aqua card in March 2021. It had a £900 credit limit. This was increased to £1,900 in August 2021. He says NewDay should have checked his credit record, it would have see... (3 pages)View decision -
Decision Reference DRN-3722035
27 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3722035 The complaint Mrs B complains that NewDay Ltd irresponsibly gave her an Amazon Mastercard credit card account that she couldn’t afford. For simplicity I will refer to the business as ‘NewDay’. What happened On 2 April 2020, Mrs B applied for a credit account with NewDay. She wa... (3 pages)View decision -
Decision Reference DRN-3089861
4 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3089861 The complaint Miss M complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss M was provided with two credit cards (Aqua and Opus) by NewDay and a loan for £2,500. She says that the amount of credit provided to her in a short space of time was irres... (3 pages)View decision -
Decision Reference DRN-3443799
29 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3443799 The complaint Mr R complains NewDay Ltd irresponsibly provided him with a credit card. What happened NewDay approved Mr R for a credit card in October 2020. The initial limit was £250. This was later increased to £1,250. On both occasions (the initial application and the subseq... (4 pages)View decision -
Decision Reference DRN-4985004
27 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4985004 The complaint Mr A, through a representative, says NewDay Ltd irresponsibly lent to him. What happened Mr A took out a credit card from NewDay on 9 April 2022. He was given a credit limit of £450. On 11 July 2022 the limit was increased to £1,450 and on 14 November 2022 to £... (3 pages)View decision -
Decision Reference DRN-4452438
4 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4452438 The complaint Mr H, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr H applied for a credit card in January 2016. It was approved with a limit of £1,200 and he was given four subsequent credit limit increases by NewDay. The... (3 pages)View decision -
Decision Reference DRN-3536405
13 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3536405 The complaint Mr B complains that NewDay Ltd have irresponsibly lent to him. What happened Mr B was approved for two NewDay credit cards which I will refer to as A and B. NewDay increased the credit limits on both cards, which I have detailed below. Card A – approved December 2... (6 pages)View decision
