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-5759838
22 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5759838 The complaint Ms K complains that NewDay Ltd trading as Aquacard lent to her irresponsibly. What happened In February 2018, Ms K applied for – and was given – a credit card with NewDay. An Initial credit limit of £450 was agreed. Since then, her limit was amended as follows:... (5 pages)View decision -
Decision Reference DRN-4569083
22 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4569083 The complaint Ms S complains that NewDay Ltd acted irresponsibly in lending her three credit card accounts. What happened Ms S took out three credit cards with NewDay in between September 2018 and March 2022. The limits of those accounts were varied as follows: Date Aqua credit... (7 pages)View decision -
Decision Reference DRN-3548748
17 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3548748 The complaint Mr G complains that NewDay Ltd trading as Aqua have irresponsibly lent to him. Mr G is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr G hi... (3 pages)View decision -
Decision Reference DRN-3974402
20 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3974402 The complaint Mr J complains that NewDay Ltd should not have agreed his credit card applications or increased his credit limit as the lending was both unaffordable and irresponsible. What happened Mr J is represented in this complaint. However, for the sake of simplicity in thi... (4 pages)View decision -
Decision Reference DRN-2836482
2 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2836482 The complaint Mr B complains that NewDay Ltd, trading as Aqua, lent to him irresponsibly by giving him a credit card and later increasing the limit of what he could borrow using the card. What happened Mr B took out a credit card with NewDay in May 2016. The initial credit limi... (4 pages)View decision -
Decision Reference DRN-5628703
30 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5628703 The complaint Mr C complains that NewDay Ltd trading as Marbles and Fluid (NewDay) acted irresponsibly when agreeing to open two credit card accounts, and to subsequent credit limit increases for one of the credit cards. What happened In July 2020 Mr C applied for a credit c... (4 pages)View decision -
Decision Reference DRN-5615497
16 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5615497 The complaint Miss R complains that NewDay Limited trading as Aqua (NewDay) lent to her irresponsibly. She says NewDay didn’t do enough to check she could afford to repay the lending sustainably. Miss R says that the initial limit and all subsequent limit increases were unaf... (4 pages)View decision -
Decision Reference DRN-3616983
27 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3616983 The complaint Mr P complains that NewDay Ltd trading as Aqua has irresponsibly lent to him. What happened Mr P was approved for a branded NewDay credit card in June 2019 with an initial £900 credit limit. NewDay increased the credit limit on multiple occasions which I have deta... (4 pages)View decision -
Decision Reference DRN0813931
23 Mar 2021 NewDay Ltd Not upheldBanking and creditMr C complains that NewDay Ltd lent to him in an irresponsible manner when it approved his application for a credit card in May 2014, and then increased his credit limit four months later. background The background to this complaint was set out in the provisional decision I issued in Febru... (4 pages)View decision -
Decision Reference DRN-3368506
4 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3368506 The complaint Miss M complains that NewDay Ltd (“NewDay”) was irresponsible in approving her credit card applications and increasing the credit limits on her accounts. What happened Miss M held five credit card accounts with NewDay, all of which were opened in the period from 2... (3 pages)View decision
