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 DRN2411350
14 Jun 2019 NewDay Ltd Not upheldBanking and creditMr L complains that NewDay Ltd, trading as Aqua, irresponsibly increased his credit card limit which was unaffordable.backgroundMr L says Aqua has increased the credit limit on his credit card on four or five occasions over the last few years. He says he has a gambl... (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-2909508
21 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2909508 The complaint Miss M complains that NewDay Ltd trading as Aqua lent irresponsibly when it increased the credit limit of her credit card. What happened Miss M applied for a credit card with Aqua in January 2015. In her application, Miss M said she was employed and earned £10,00... (3 pages)View decision -
Decision Reference DRN-3091261
6 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3091261 The complaint Mr B complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card and later increased the credit limit twice. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In ... (3 pages)View decision -
Decision Reference DRN-5398938
2 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5398938 The complaint Mrs K complains that NewDay Ltd trading as Aqua (NewDay) shouldn’t have agreed to open two credit card accounts and subsequently apply further credit limit increases as the lending was unaffordable. In bringing her complaint Mrs K is represented by a third part... (4 pages)View decision -
Decision Reference DRN-3003992
23 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3003992 The complaint Mr H complains that after he took out a credit card with NewDay Ltd, it repeatedly increased his credit limit. He said that none of this lending was affordable for him, and he got into financial difficulties. What happened Mr H said he took out a card with NewDay... (4 pages)View decision -
Decision Reference DRN-3377086
10 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3377086 The complaint Miss B complains that NewDay Ltd trading as Aqua gave her credit that she couldn’t afford to pay back. What happened Miss B applied for a credit card in May 2017. It was approved with an initial limit of £300. Miss B was given five further credit increases. In Sep... (3 pages)View decision -
Decision Reference DRN-3615902
2 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3615902 The complaint Mr G complains about the way that NewDay Ltd dealt with his applications for credit cards and the dealings with his accounts. What happened Mr G applied for three credit cards with NewDay, along with a number of credit limit increases over the course of three and ... (4 pages)View decision -
Decision Reference DRN0798468
15 May 2020 NewDay Ltd UpheldBanking and creditMiss S is unhappy with the credit limit increases NewDay Ltd applied to her credit card accounts. She thinks this was irresponsible lending. Miss S wants a refund of the interest and charges caused by the credit limit increases. She also wants the defaults for these accounts to be removed ... (4 pages)View decision -
Decision Reference DRN0070494
25 Mar 2018 NewDay Ltd Not upheldBanking and creditMr H is unhappy that New Day Ltd trading as Aqua increased his credit limit without completing a thorough credit assessment. backgroundI issued my provisional decision, which is attached to, and forms part of, this final decision in February 2018. In my provisional d... (5 pages)View decision
