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 803 results
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Decision Reference DRN-3600243
24 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3600243 The complaint Mr H complains that NewDay Ltd trading as Aqua gave him a credit card when it should have known he wouldn’t be able to repay what he borrowed. What happened Mr H applied for a credit card in December 2018. He told NewDay that he was employed and earning £27,000 a ... (3 pages)View decision -
Decision Reference DRN-5163472
11 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5163472 The complaint Mrs W complains through her representative that NewDay Ltd lent to her irresponsibly when it approved a credit card for her in 2021 and then increased the credit limit three times. What happened Mrs W was approved for a Fluid account credit card in January 202... (6 pages)View decision -
Decision Reference DRN-2315325
26 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2315325 The complaint Mr T says that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly when it increased his credit limits four times over a 14 month period. Mr T wants a refund of all interest paid and any late payment charges. What happened Aqua opened Mr T’s account in Dec... (5 pages)View decision -
Decision Reference DRN2210471
10 Sep 2019 NewDay Ltd UpheldBanking and creditComplaintMr S’s complaint is about NewDay Ltd – trading as Aqua (NewDay). He says it was irresponsible in allowing him to have the credit limit increases on his credit card. BackgroundMr S took out his NewDay card in May 2014. At that time he was given had a £100 credit limit. The followin... (6 pages)View decision -
Decision Reference DRN7524261
12 Jul 2017 NewDay Ltd Not upheldBanking and creditMr H complains that NewDay Ltd was irresponsible when it gave him a credit card. He’s been paying the balance back through a debt management company and thinks it should’ve been paid by now.backgroundMr H took out an Aqua credit card with NewDay in 2009. He thought it... (2 pages)View decision -
Decision Reference DRN-4725783
22 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4725783 The complaint Mr W complains NewDay Ltd trading as John Lewis Partnership Card instantly turned him down for a credit card. He thinks NewDay are data harvesting. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copie... (4 pages)View decision -
Decision Reference DRN-3320110
18 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3320110 The complaint Mr M complains about irresponsible credit card lending made to him by NewDay Ltd trading as Aqua. He says he couldn’t afford either the initial lending to him of £300 in July 2017, or the increase to £500 later in that year, and NewDay should have realised that. W... (3 pages)View decision -
Decision Reference DRN-4914885
22 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4914885 The complaint Miss J complains that NewDay Ltd trading as Aquacard irresponsibly lent to her. Miss J is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss J her... (5 pages)View decision -
Decision Reference DRN-5188224
23 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5188224 The complaint Mr C complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened In November 2017 Mr C applied for a credit card with Marbles. In his application, Mr C said he... (3 pages)View decision -
Decision Reference DRN-3234743
4 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3234743 The complaint Mr D complains that NewDay Ltd was irresponsible when it opened a credit card account for him in June 2015, and then increased the credit limit from £600 to £1,500 in September 2015. Mr D said his financial situation was already extremely poor before this. What h... (3 pages)View decision
