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 1102 results
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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-5721413
9 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5721413 The complaint Miss G complains that NewDay Ltd trading as Aqua lent to her irresponsibly by approving a credit card for her in May 2019 and then making credit limit increases which she could not afford to repay. What happened I created this table for clarity. It shows the le... (4 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-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-3898775
13 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3898775 The complaint Mr H complains that NewDay Ltd trading as Aqua (“NewDay”) was irresponsible when it increased his credit limit and didn’t treat him fairly when he complained about some of the transactions on his account. What happened NewDay opened a credit card account for Mr H ... (7 pages)View decision -
Decision Reference DRN-3477762
24 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3477762 The complaint Mr M complains that NewDay Ltd was irresponsible in approving his application for a credit card and in providing subsequent credit limit increases. What happened Mr M has held two store branded credit cards administered by NewDay. In a previous decision I have exp... (4 pages)View decision -
Decision Reference DRN-3134987
17 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3134987 The complaint Ms A complains that NewDay Ltd irresponsibly allowed her to open three credit card accounts and later increased the credit limits on them which was unaffordable. What happened Ms A says she opened three NewDay credit card accounts which I will call “A”, “M” and “D... (3 pages)View decision -
Decision Reference DRN-5340641
24 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5340641 The complaint Ms S complains that NewDay Ltd was irresponsible in its lending to her. She wants all interest and charges she has paid refunded along with statutory interest. Ms S is represented by a third party but for ease of reference I have referred to Ms S throughout thi... (4 pages)View decision -
Decision Reference DRN-5625974
8 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5625974 The complaint Mr S complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr S applied for a Marbles credit card in August 2015. In his application, Mr S said his incom... (3 pages)View decision -
Decision Reference DRN-3415872
13 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3415872 The complaint Mr P complains that NewDay Ltd trading as Amazon Classic MasterCard was irresponsible in increasing the credit limit of his credit card account. What happened Mr P opened a credit card account with NewDay in July 2019 with a credit limit of £500. In August 2020 hi... (3 pages)View decision