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 1018 results
-
Decision Reference DRN-4145557
14 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4145557 The complaint Mr W complains that NewDay Ltd trading as Marbles Card was irresponsible in its lending to him. What happened Mr W was provided with a credit card in September 2020 (card 1) with an initial credit limit of £900. The credit limit was increased on three occasions (M... (3 pages)View decision -
Decision Reference DRN9045126
17 Jul 2017 NewDay Ltd UpheldBanking and creditMr O complains that NewDay Ltd (trading as Aqua) gave him a credit card irresponsibly at a time when he was struggling financially. He also complains the credit limit was increased after a short time and he’s now having difficulty paying off his debts.backgroundMr O ... (2 pages)View decision -
Decision Reference DRN6146769
13 Jun 2018 NewDay Ltd Not upheldBanking and creditMiss B has complained that NewDay Ltd (trading as Aqua) acted irresponsibly when it increased the limit on her credit card and when it allowed her to open a second card at a time when her first card was still open.backgroundMiss B has held four credit cards with Aqu... (2 pages)View decision -
Decision Reference DRN-3504623
27 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3504623 The complaint Mr M complains that NewDay Ltd lent to him irresponsibly in relation to three credit cards. What happened Mr M applied for the first credit card online in March 2015. His application data included that he was employed and had a gross income of £19,500 a year. NewD... (6 pages)View decision -
Decision Reference DRN-3193439
26 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3193439 The complaint Mr V complains that NewDay Ltd (NewDay) didn’t carry out appropriate checks when agreeing to lend to him. And that if it had, NewDay would’ve seen that the lending wasn’t affordable for him. Mr V is also unhappy with the way NewDay responded to his personal circum... (5 pages)View decision -
Decision Reference DRN5469319
23 Jul 2019 NewDay Ltd UpheldBanking and creditMiss M complains that NewDay Ltd (“ND”) trading as Aqua engaged in irresponsible lending to her.backgroundMiss M says in June 2014 she received her credit card from ND with a credit limit of £250. And she says the credit limit was increased to £550 in November 2014, £1,250 in May 2015, £2,... (5 pages)View decision -
Decision Reference DRN-3517008
6 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3517008 The complaint Mr B complains that NewDay Ltd trading as Aqua lent to him irresponsibly when it provided him with credit limits. What happened I issued my provisional decision about this complaint on 11 May 2022. I provisionally upheld the complaint. Here’s what I said: What hap... (6 pages)View decision -
Decision Reference DRN-5073824
24 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5073824 The complaint Miss B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened Miss B applied for a credit card with Aqua in May 2020. In her application, Miss B said she... (3 pages)View decision -
Decision Reference DRN-3687513
8 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3687513 The complaint Ms B complains that NewDay Ltd lent to her irresponsibly. What happened In November 2016, Ms B applied to NewDay for a retailer branded credit card. NewDay approved Ms B’s application and agreed a credit limit of £1,000. In or around August 2017, NewDay increased ... (5 pages)View decision -
Decision Reference DRN-4860977
1 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4860977 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest and charges applied to his accounts refunded along with compensatory interest and any adverse information removed from his credit file. Mr S is represe... (4 pages)View decision
