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-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-3853300
12 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3853300 The complaint Mrs K says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs K applied for a credit card in April 2020. It was approved with a limit of £1,200 and she was given two subsequent credit limit increases by NewDay. The first increase in August 2... (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-4308217
6 Sep 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4308217 The complaint Mrs T, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs T applied for a credit card from NewDay in November 2019. It was approved with a limit of £250. She was then given five credit limit increases as set ou... (3 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-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-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 DRN0329061
16 Jan 2020 NewDay Ltd UpheldBanking and creditMr W complains about an Aqua branded credit card provided to him by NewDay Ltd. He thinks it was irresponsible of NewDay to lend to him and that it shouldn’t have done so.backgroundIn 2013 Mr W applied for the credit card online. He says that at the time of applying for the card he had num... (4 pages)View decision
