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 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 -
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 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-5467471
2 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5467471 The complaint Mr P 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 P applied for an Aqua credit card in August 2019. In his application, Mr P said he was earning... (3 pages)View decision -
Decision Reference DRN-4145557
14 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4145557 The complaint Mr W complains that NewDay Ltd trading as Marbles Card was irresponsible in its lending to him. What happened Mr W was provided with a credit card in September 2020 (card 1) with an initial credit limit of £900. The credit limit was increased on three occasions (M... (3 pages)View decision -
Decision Reference DRN-5318290
30 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5318290 The complaint Miss I complains NewDay Ltd trading as Marbles (NewDay) acted irresponsibly by failing to conduct proportionate checks prior to approving her for lending. She says had they done they would have seen she wasn’t in a position to handle additional credit. What hap... (6 pages)View decision -
Decision Reference DRN-3871295
21 Dec 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3871295 The complaint Mrs H complains that NewDay Ltd was irresponsible when it offered her credit card facilities and subsequent credit limit increases. What happened NewDay opened three credit card accounts for Mrs H under different trading names. I’ve set out some of the information... (5 pages)View decision -
Decision Reference DRN-5138773
27 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5138773 The complaint Mr T complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest, fees and charges refunded along with interest. He also wants compensation for the distress and inconvenience he has been caused by how his complaint h... (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
