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-5006156
20 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5006156 The complaint Mr R, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr R took out a credit card from NewDay in November 2017. He was given a £900 credit limit. This was increased seven times and by July 2021 it was £7,850.... (3 pages)View decision -
Decision Reference DRN-4371936
19 Oct 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4371936 The complaint Miss C, through a representative, says NewDay Ltd, trading as Opus, irresponsibly lent to her. What happened Miss C applied for a credit card from NewDay in May 2018. It was approved with a limit of £900. She was then given four credit limit increases between June... (3 pages)View decision -
Decision Reference DRN9331425
31 Jan 2019 NewDay Ltd UpheldBanking and creditMrs W complains that NewDay Ltd acted irresponsibly in giving her a credit card and then increasing its limit twice within nine months.background I issued my provisional decision on this case on 20 December 2018. A copy of it is attached and it forms part of this fin... (5 pages)View decision -
Decision Reference DRN-5454192
3 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5454192 The complaint Mr O complains that NewDay Ltd lent irresponsibly when it approved two credit card applications and increased the credit limit on both accounts. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I... (5 pages)View decision -
Decision Reference DRN-3618645
12 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3618645 The complaint Miss K, who is represented by a third party, complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her a credit card that she couldn’t afford to repay. What happened Miss K entered into an agreement with NewDay to have access to credit with ... (3 pages)View decision -
Decision Reference DRN-2775240
23 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2775240 The complaint Mr S complains about NewDay Ltd (“NewDay”) for credit limit increases which were offered to him on his Aqua and Marbles cards. He believes that these increases were irresponsible as he had substantial other debt and he had high spending on gambling on his cards. H... (4 pages)View decision -
Decision Reference DRN-4355455
15 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4355455 The complaint The estate of Mr W complains NewDay Ltd provided the late Mr W with an unaffordable credit card. What happened In June 2021 NewDay provided Mr W with a credit card with a limit of £1,200. Mr W sadly passed away in April 2022 and the executors of his estate complai... (4 pages)View decision -
Decision Reference DRN-5098265
2 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5098265 Complaint Mr A has complained about credit cards and the associated credit limit increases which NewDay Ltd (“NewDay”) provided to him. He says the credit cards as well as the limit increases were irresponsibly provided. Background NewDay provided Mr A with two credit cards... (6 pages)View decision -
Decision Reference DRN-5487135
19 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5487135 The complaint Mr H complains that NewDay Ltd trading as Aqua (“NewDay”) were irresponsible when lending him two credit cards and by increasing his credit limit. Mr H is represented by a professional third party, but for ease of reference I’ll refer to Mr H throughout. What... (3 pages)View decision -
Decision Reference DRN-5012786
11 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5012786 The complaint Mr G, through a representative, says NewDay Ltd irresponsibly lent to him. What happened Mr G applied for a credit card from NewDay in August 2019. It was approved with a limit of £1,200. He was then given five credit limit increases until his limit reached £8,... (3 pages)View decision
