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-6065598
9 Jan 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6065598 The complaint Mr M complains that NewDay Ltd lent irresponsibly when it approved four credit card applications he made and later increased the limits. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: M... (6 pages)View decision -
Decision Reference DRN-3580937
7 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3580937 The complaint Mrs S complains that NewDay Ltd have irresponsibly lent to her. What happened Mrs S was approved for two NewDay credit cards which I will refer to as A and B. NewDay increased the credit limits on both cards, which I have detailed below. Card A – approved October ... (7 pages)View decision -
Decision Reference DRN-3489073
20 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3489073 The complaint Mrs H complains that NewDay Ltd acted irresponsibly by providing several unsolicited credit limit increases on her credit card accounts. What happened Mrs H applied for an Evans credit card with NewDay in March 2015. This was approved with a £500 credit limit. Ove... (4 pages)View decision -
Decision Reference DRN-5757149
12 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5757149 The complaint Mr G complains that NewDay Ltd (‘NewDay’), trading as Aqua, irresponsibly gave him two credit card account facilities that he couldn’t afford. What happened In November 2014, Mr G applied for and was given a credit card account with NewDay with an initial cred... (4 pages)View decision -
Decision Reference DRN-4640279
19 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4640279 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He also says that a default was unfairly applied to his account and NewDay didn’t correctly handle his previous complaints regarding a change of address and access to his accou... (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 DRN9986964
16 Dec 2019 NewDay Ltd UpheldBanking and creditMs C complains about her NewDay Ltd credit card. She says the business lent irresponsibly to her and worsened her financial situation.backgroundMs C had a credit card with NewDay. During the time she had the account her balance increased dramatically. And her credit limit was raised consid... (3 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 -
Decision Reference DRN-3079881
4 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3079881 The complaint Mrs N complains that NewDay Ltd irresponsibly increased the credit limit on her credit card account to unaffordable levels. What happened Mrs N says she accepts that NewDay was entitled to allow her to open her credit card account in 2017. She says she was working... (3 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