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
-
Decision Reference DRN-5772430
26 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5772430 The complaint Miss T complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved two credit card applications she made and increased the limit on one of the accounts. What happened Miss T first applied for an Aqua credit card in May 2014 (card 1). The appl... (3 pages)View decision -
Decision Reference DRN-3605525
10 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3605525 The complaint Miss N complains that NewDay Ltd lent to her irresponsibly and charged high rates of interest. What happened Miss N took out an Aqua credit card with NewDay in March 2017 with an initial credit limit of £900, followed by three credit limit increases. The account w... (4 pages)View decision -
Decision Reference DRN-4909585
6 Aug 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4909585 The complaint Miss S complains that NewDay Ltd was irresponsible in its lending to her. Miss S is represented by a third party but for ease of reference I have referred to Miss S throughout this decision. What happened Miss S was provided with a credit card account by NewDay... (4 pages)View decision -
Decision Reference DRN-2981332
4 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-2981332 The complaint In summary, Mr S has complained that NewDay Ltd trading as Aqua, irresponsibly provided him with a credit card and credit limit increases. What happened In January 2015, NewDay provided Mr S with a credit card. The initial credit limit was £600. In April 2015, the... (3 pages)View decision -
Decision Reference DRN-5885347
23 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5885347 The complaint Miss S complains that NewDay Ltd, trading as Marbles, lent to her irresponsibly. What happened Miss S held a credit card with NewDay; I’ve set out the lending history below: Date Event Limit (£) 1 August 2021 Account opened £25012 August 2022 Credit Limit Inc... (4 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-4472557
18 Jan 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4472557 The complaint Mr B complains that NewDay Ltd trading as Aqua (‘NewDay Ltd’) irresponsibly gave him a credit card that he couldn’t afford. What happened On 9 May 2021, Mr B applied for and was given a credit card with a credit limit of £900. The credit limit was increased to £1,... (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 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-4413501
23 Oct 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4413501 The complaint Miss E complains that NewDay Ltd irresponsibly gave her a store card and two credit cards that she couldn’t afford to repay. What happened In 2010, Miss E applied for a store card with NewDay. Due to how long ago it was taken out there is limited information avail... (3 pages)View decision
