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-3963035
14 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3963035 The complaint Miss C complains that NewDay Ltd, trading as Marbles Card, should not have agreed her credit card application or increased her credit limit, as the lending was both unaffordable and irresponsible. What happened Miss C applied and was accepted for a Marbles credit ... (5 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 -
Decision Reference DRN-3801438
14 Dec 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3801438 The complaint Mr B says NewDay Ltd irresponsibly lent to him. What happened This complaint is about two credit cards provided by NewDay Ltd to Mr B. It seems the Aqua account opened in January 2013 with a credit limit of £250. This account had a number of credit increases over ... (4 pages)View decision -
Decision Reference DRN-3605003
22 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3605003 The complaint Mr L says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr L applied for a credit card in May 2016. It was approved with a limit of £300 and he was given four subsequent credit limit increases by NewDay. The first increase in September 2016... (3 pages)View decision -
Decision Reference DRN-3627618
24 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3627618 The complaint Miss A complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss A was provided with an Aqua branded credit card, which had an initial credit limit of £600, in July 2014. The credit limit on this account was increased on three occasions... (4 pages)View decision -
Decision Reference DRN-3331952
22 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3331952 The complaint Ms R, through a representative, says NewDay Ltd irresponsibly lent to her. What happened Ms R took out a credit card from NewDay in October 2016, she was given a credit limit of £250. In October 2017 NewDay increased this to £500. Ms R says the lending was never a... (3 pages)View decision -
Decision Reference DRN-3552205
16 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3552205 The complaint Mr G has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. He says he was provided with credit that he couldn’t afford and he lost out as a result. What happened Mr G opened a credit card account with NewDay in November 2015. His credit limit w... (4 pages)View decision -
Decision Reference DRN-4480087
4 Dec 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4480087 The complaint Mr W says NewDay Ltd, trading as Aquacard, irresponsibly lent to him. What happened Mr W took out a credit card in March 2014 with an opening limit of £250. As the parties are aware this complaint looks at the limit increases from July 2017 onwards. At that point ... (3 pages)View decision -
Decision Reference DRN1131807
4 Dec 2018 NewDay Ltd Not upheldBanking and creditMr B complains that NewDay Ltd (trading as Aqua and Marbles) was irresponsible to increase his credit limit and to provide him with a new credit card at a time when he was experiencing financial difficulties.backgroundMr B had an Aqua credit card. He says that in 2016 ... (2 pages)View decision -
Decision Reference DRN-3634390
30 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3634390 The complaint Mr P complains that NewDay Ltd (“NewDay”), trading as Fluid, irresponsibly granted him a Fluid credit card account that he couldn’t afford to repay. What happened Mr P entered into an agreement with NewDay to have access to credit with an account that was opened f... (3 pages)View decision
