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-4127073
12 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4127073 The complaint Mr C complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit on several occasions. What happened The background to this complaint and my initial conclusions were set out in my p... (4 pages)View decision -
Decision Reference DRN-3974335
20 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3974335 The complaint Mrs F complains that NewDay Ltd shouldn't have accepted her credit card applications and increased the credit limit on her credit card accounts as the lending was both unaffordable and irresponsible. What happened Mrs F is represented in this complaint. Howev... (5 pages)View decision -
Decision Reference DRN7826260
10 Jan 2019 NewDay Ltd Not upheldBanking and creditMr K complains that NewDay Ltd was irresponsible in letting him have a credit card. backgroundMr K applied for a credit card in October 2013 and it was granted with a £250 limit. His application form showed he was employed earning £21,800 and he had other income of ... (2 pages)View decision -
Decision Reference DRN7344378
31 Oct 2017 NewDay Ltd UpheldBanking and creditMr W complains that NewDay Ltd, trading as Aqua, irresponsibly increased the credit limit on his credit card.backgroundMr W took out an Aqua credit card in 2011 with a credit limit of £300. He says that limit was increased on a number of occasions up to £2350 in Novemb... (2 pages)View decision -
Decision Reference DRN-3454146
26 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3454146 The complaint Miss D complains that NewDay Ltd, trading as Aqua, should not have agreed her credit card application or increased her credit limit as the lending was both unaffordable and irresponsible. What happened Miss D is represented in this complaint. However, for the sake... (5 pages)View decision -
Decision Reference DRN-4257621
20 Jul 2023 NewDay Ltd Not upheldConsumer CreditDRN-4257621 The complaint Mr D complains he was irresponsibly provided with unaffordable credit card accounts and credit limit increases by NewDay Ltd. What happened Mr D was provided with two credit card accounts from NewDay under the brands Marbles and Argos. The below table provides the... (5 pages)View decision -
Decision Reference DRN-5648900
27 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5648900 The complaint Mr K complains, through his representative, that NewDay Ltd trading as Aqua (“NewDay”) gave him a credit card and increased the limit without carrying adequate affordability checks. What happened A summary of Mr K’s credit limits can be found below. Date Even... (4 pages)View decision -
Decision Reference DRN-3046384
24 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3046384 The complaint Mr P complains that NewDay Ltd trading as Aquacard was irresponsible in its lending to him. What happened Mr P applied for a credit card with NewDay in February 2020. This application was approved for a card with a credit limit of £1,200. In July 2020, his credit ... (3 pages)View decision -
Decision Reference DRN-5380608
10 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5380608 The complaint Mr E complains that NewDay Ltd trading as Aquacard was irresponsible in its lending to him. He wants the interest he has paid on his account refunded. What happened Mr E was provided with an Aqua credit card by NewDay in November 2020. The initial credit limit ... (6 pages)View decision -
Decision Reference DRN-2725549
26 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2725549 The complaint Mr F complains that NewDay Ltd (trading as Amazon) lent to him irresponsibly in providing a credit card. What happened Mr F applied for an Amazon credit card. The application was approved, and an account opened in May 2017, with a credit limit of £500. In April 2... (2 pages)View decision