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-5479518
26 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5479518 The complaint Mr F complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr F applied for an Aqua credit card in March 2017. In his application, Mr F said he was earning ... (3 pages)View decision -
Decision Reference DRN-4489355
4 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4489355 The complaint Mr K complains that NewDay Ltd trading as Aqua (‘NewDay Ltd’) irresponsibly gave him a credit card that he couldn’t afford. What happened On 28 February 2019, Mr K applied for and was given a credit card with a credit limit of £600. The card had five increases to ... (3 pages)View decision -
Decision Reference DRN-4145914
18 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4145914 The complaint Mr W complains that NewDay Ltd (‘NewDay’), trading as Aqua, irresponsibly granted him a credit card account he couldn’t afford to repay. What happened Mr W entered into an agreement with NewDay to have access to credit by way of a credit card account. The account ... (3 pages)View decision -
Decision Reference DRN-4994721
27 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4994721 The complaint Mr M complains that NewDay Ltd trading as Aqua (NewDay) didn’t sufficiently check whether he could sustain the repayments when opening his credit card account. And providing him with subsequent credit limit increases. In bringing his complaint Mr M is represen... (3 pages)View decision -
Decision Reference DRN-3803728
28 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3803728 The complaint Mr L says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr L opened an Aqua card in March 2021. It had a £900 credit limit. This was increased to £1,900 in August 2021. He says NewDay should have checked his credit record, it would have see... (3 pages)View decision -
Decision Reference DRN-4044790
12 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4044790 The complaint Mr B, who is represented by a third party, complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him a credit card account he couldn’t afford to repay. What happened Mr B entered into an agreement with NewDay to have access to credit by way ... (3 pages)View decision -
Decision Reference DRN-2877665
17 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2877665 The complaint Mr F says that NewDay Ltd (“NewDay”) should not have increased the credit limit on his credit card on a number of occasions and that this was irresponsible lending and has caused him financial difficulties. He would like a refund for all interest and charges, his ... (6 pages)View decision -
Decision Reference DRN-2958097
29 Oct 2021 NewDay Ltd UpheldConsumer CreditDRN-2958097 The complaint Mr M complains that NewDay Ltd, trading as Aqua, lent irresponsibly when providing him with a loan. What happened In June 2018 NewDay gave Mr M a loan of £7,500 over 60 months. Based on the information it’s provided, the interest rate on the loan was an APR of 21.... (4 pages)View decision -
Decision Reference DRN-5772420
18 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5772420 The complaint Mr T complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application and later increased the limit. What happened Mr T applied for a Marbles credit card in June 2016. In his application, Mr T said he had an income o... (3 pages)View decision -
Decision Reference DRN-3809817
28 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3809817 The complaint Mrs S complains that NewDay Ltd trading as Aqua, irresponsibly increased the credit limit for a credit card she held with it and that she subsequently found the repayments unaffordable. What happened In August 2006, Mrs S opened a credit card account with NewDay w... (5 pages)View decision
