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-5741975
10 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5741975 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr B applied for an Aqua credit card in April 2021. In his application, Mr B said he was employed... (4 pages)View decision -
Decision Reference DRN-3747478
12 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3747478 The complaint Mrs A complains that NewDay Ltd acted irresponsibly when it increased the credit limit on her credit card. What happened Mrs A had a credit card account with NewDay. She says she was experiencing significant financial difficulties and was on a debt management plan... (6 pages)View decision -
Decision Reference DRN-5450407
15 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5450407 The complaint Mrs P complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs P applied for a credit card with Aqua in April 2014. In her application, Mrs P said she was ... (4 pages)View decision -
Decision Reference DRN-5785098
16 Jan 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5785098 The complaint Miss J complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss J was provided with four credit accounts by NewDay the details of which are set out below. BIP account Date Event Amount April 2022 Account opening £450 Aqua account D... (6 pages)View decision -
Decision Reference DRN-5648274
11 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5648274 The complaint Mr A complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr A applied for a credit card with Aqua in August 2016. In his application, Mr A said he was ear... (3 pages)View decision -
Decision Reference DRN-6052061
17 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6052061 The complaint Mr I complains that NewDay Ltd trading as BIP (NewDay), lent to him irresponsibly when offering five credit limit increases to his account. What happened Mr I opened a BIP account with NewDay and was then offered and accepted five credit limit increases as sho... (5 pages)View decision -
Decision Reference DRN-2722735
29 Mar 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2722735 The complaint Miss O is complaining about irresponsible lending by NewDay Ltd. What happened In March 2016, Miss O applied for a credit card with NewDay. Her application was successful and NewDay initially set a £100 credit limit. In June 2016, NewDay increased Miss O’s credit ... (4 pages)View decision -
Decision Reference DRN-3943620
3 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3943620 The complaint Miss L complains that NewDay Ltd irresponsibly lent to her on a credit card. What happened In September 2015 Miss L applied for an ‘Aqua’ credit card account with NewDay, and initially an opening credit limit of £250 was approved. Over the next four years the limi... (3 pages)View decision -
Decision Reference DRN-5601410
24 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5601410 The complaint Mrs T complains that NewDay Ltd trading as Marbles irresponsibly provided her with an unaffordable credit card. Mrs T’s complaint has been brought to us by a professional representative, but for ease I’ll refer to all submissions as thought they are her own. W... (4 pages)View decision -
Decision Reference DRN-3502107
27 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3502107 The complaint Mr W complains NewDay Ltd trading as Aqua have irresponsibly lent to him. What happened Mr W was accepted for a NewDay branded credit card in October 2014, with a £900 credit limit. The credit limit was later increased to; £1,900 in February 2015 £2,500 in July ... (5 pages)View decision