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 1020 results
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Decision Reference DRN-5129409
6 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5129409 The complaint Miss H complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Over a period, Miss H had two credit cards issued by NewDay and the limits were increased as shown: Aqua card: Limit increase No. Date Limit December 2017 – new card £900 1 May ... (5 pages)View decision -
Decision Reference DRN-5551845
12 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5551845 The complaint In summary, Mr M complains that NewDay Ltd, irresponsibly provided him with two credit cards he says he couldn’t afford. He also says it shouldn’t have allowed him to make payments to certain merchants, because they were gambling transactions. He asks for compe... (7 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-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-5639420
3 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5639420 The complaint The estate of Mr H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The late Mr H applied for an Aqua credit card in November 2012 and said he had an i... (4 pages)View decision -
Decision Reference DRN-3121562
21 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3121562 The complaint Miss W complained that NewDay Ltd lent irresponsibly when providing her with two credit cards. What happened Miss W applied for the first credit card online in August 2016. Her application data included that she was a part-time contractor earning £9,600 a year. Ne... (6 pages)View decision -
Decision Reference DRN-5445837
11 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5445837 The complaint Mr J complains that NewDay Ltd was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest and any adverse information recorded about his account removed from his credit file. Mr J is represented by a third ... (3 pages)View decision -
Decision Reference DRN-3761376
22 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3761376 The complaint Mr B complains that NewDay Ltd was irresponsible in its lending to him. What happened NewDay provided Mr B with an Aqua branded credit card in April 2016. The initial credit limit was £300. NewDay increased the credit limit on five occasions until it was set at £3... (3 pages)View decision -
Decision Reference DRN8859879
25 Oct 2019 NewDay Ltd UpheldBanking and creditComplaintMr C complains that NewDay Ltd (trading as Aqua) lent irresponsibly when it approved his credit card application and later increased his credit limit. BackgroundMr C applied for an Aqua credit card and was approved for a £250 credit limit in September 2012. In December 2012 Mr C a... (2 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
