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-4914885
22 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4914885 The complaint Miss J complains that NewDay Ltd trading as Aquacard irresponsibly lent to her. Miss J is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss J her... (5 pages)View decision -
Decision Reference DRN-2800437
12 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2800437 The complaint Mr N complains that NewDay Ltd trading as Marbles Card (“NewDay”) lent to him when it shouldn’t have. What happened Mr N took out a branded credit card in January 2017 with a limit of £900. There were then four credit increases to the credit limit between June 201... (3 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-5601855
5 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5601855 The complaint Mr N complains, through his representative, that NewDay Ltd (“NewDay”) gave him two credit cards and then then increased his credit limit when he couldn’t afford them. What happened Mr N had two NewDay credit cards an Opus branded one and an Aqua branded card a... (4 pages)View decision -
Decision Reference DRN-5188224
23 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5188224 The complaint Mr C complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened In November 2017 Mr C applied for a credit card with Marbles. In his application, Mr C said he... (3 pages)View decision -
Decision Reference DRN-5848825
30 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5848825 The complaint Ms D complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the limit. What happened Ms D applied for an Aqua credit card in July 2022. In her application, Ms D said she had an annual incom... (3 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 -
Decision Reference DRN-2945141
26 Aug 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2945141 The complaint Mr N complains that NewDay Ltd trading as Aqua irresponsibly allowed him to open a credit card account and later increased his credit limit which was unaffordable. What happened Mr N says Aqua shouldn’t have allowed him to open the credit card account and shouldn’... (2 pages)View decision -
Decision Reference DRN-3040886
10 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3040886 The complaint Mr C is unhappy that NewDay Ltd authorised him for a credit account with an initial credit limit of £600, and also that his credit limit was later increased to £1,200. What happened Mr C applied for a credit account with NewDay in March 2017. Mr C’s application wa... (5 pages)View decision
