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-4512745
14 Dec 2023 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-4512745 The complaint Mr K complains to Link Financial Outsourcing Limited (trading as Asset Link Capital (No. 7)) that the loan he had was lent irresponsibly. What happened Mr K took out a loan and a credit card with NewDay. In July 2021, Asset Link Capital bought the loan account fro... (3 pages)View decision -
Decision Reference DRN-5802244
2 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5802244 The complaint The estate of Ms C complains that NewDay Ltd trading as Debenhams irresponsibly provided Ms C with an unaffordable credit account. What happened NewDay provided the late Ms C with a catalogue shopping account in December 2014 with a £10,000 limit. NewDay has sa... (5 pages)View decision -
Decision Reference DRN-5594183
30 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5594183 The complaint Mr H complains that NewDay Ltd, trading as Aqua, lent to him irresponsibly and didn’t help him when he was experiencing financial difficulties. What happened NewDay provided Mr H with a credit card in April 2019. The initial credit limit was £1,200. The credit... (6 pages)View decision -
Decision Reference DRN-5233744
18 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5233744 The complaint Ms T’s complaint is about a credit card issued to her by NewDay Ltd trading as Aquacard in 2014. Ms T says NewDay acted irresponsibly when it gave her a credit card, and then later increased her credit limit. To resolve the complaint Ms T would like NewDay to r... (4 pages)View decision -
Decision Reference DRN-2936011
10 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2936011 The complaint Ms T complains that NewDay Ltd irresponsibly allowed her to open a credit card account which was unaffordable and also increased the credit limits. What happened Ms T says she shouldn’t have been allowed to open the NewDay credit card account in 2017 and it didn’t... (3 pages)View decision -
Decision Reference DRN-3497810
25 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3497810 The complaint Mr S complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr S in October 2016. They initially provided a credit limit of £300 but in ... (3 pages)View decision -
Decision Reference DRN-3521678
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3521678 The complaint Ms P has complained that NewDay Ltd trading as Marbles Card irresponsibly lent to her. What happened Ms P was provided with a Marbles branded credit card, which had an initial credit limit of £450, in May 2019. The credit limit on this account was increased on fiv... (3 pages)View decision -
Decision Reference DRN-4388087
6 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4388087 The complaint Miss C complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Miss C had two credit cards from NewDay, an Aqua card and a Marbles card. The Aqua card was opened in November 2015; the Aqua card was opened in December 2017. Limit increases were ... (5 pages)View decision -
Decision Reference DRN-5555326
21 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5555326 The complaint Miss R complains, through her representative, that NewDay Ltd trading as TUI Mastercard (“NewDay”) gave her a credit card and then increased her credit limit when she couldn’t afford it. What happened I’ve summarised Miss R’s card approval and credit limit incr... (3 pages)View decision -
Decision Reference DRN4095793
23 Jun 2020 NewDay Ltd Not upheldBanking and creditMr P complains about the credit limit increases that were applied to his account by NewDay Ltd, trading as Aqua.backgroundThe background to this complaint, and my provisional findings, can be found in my provisional decision which I’ve attached below and which forms part of this final deci... (6 pages)View decision