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
-
Decision Reference DRN-2376262
29 Dec 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2376262 The complaint Mr S believes that NewDay Ltd, trading as Aqua, lent to him irresponsibly and is unhappy that they defaulted his credit card. What happened Mr S applied for an Aqua credit card in January 2015. Aqua accepted Mr S’s application and issued him with a credit card wit... (3 pages)View decision -
Decision Reference DRN-4316437
12 Oct 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4316437 The complaint In summary, Miss T complains that NewDay Ltd (trading as Aqua Classic), provided her with a credit card and credit limit increases that she wasn’t able to afford. She is also unhappy with it not responding to her complaint. I will refer to NewDay throughout the de... (5 pages)View decision -
Decision Reference DRN-3003992
23 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3003992 The complaint Mr H complains that after he took out a credit card with NewDay Ltd, it repeatedly increased his credit limit. He said that none of this lending was affordable for him, and he got into financial difficulties. What happened Mr H said he took out a card with NewDay... (4 pages)View decision -
Decision Reference DRN-3393940
30 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3393940 The complaint Mrs L complains that NewDay Ltd, trading as Aqua (NewDay) lent to her irresponsibly when they agreed a credit card for her and then continued to increase the credit limit on several occasions. What happened I issued a provisional decision to both parties on 1 Marc... (7 pages)View decision -
Decision Reference DRN-3615902
2 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3615902 The complaint Mr G complains about the way that NewDay Ltd dealt with his applications for credit cards and the dealings with his accounts. What happened Mr G applied for three credit cards with NewDay, along with a number of credit limit increases over the course of three and ... (4 pages)View decision -
Decision Reference DRN-2426219
22 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2426219 The complaint Ms P is unhappy that NewDay Ltd trading as Aqua (Aqua) provided her with a credit card and increased the limit. She says they lent to her irresponsibly. What happened Ms P opened a credit account with Aqua in December 2012 with an initial credit limit of £250. The... (4 pages)View decision -
Decision Reference DRN0798468
15 May 2020 NewDay Ltd UpheldBanking and creditMiss S is unhappy with the credit limit increases NewDay Ltd applied to her credit card accounts. She thinks this was irresponsible lending. Miss S wants a refund of the interest and charges caused by the credit limit increases. She also wants the defaults for these accounts to be removed ... (4 pages)View decision -
Decision Reference DRN4432494
13 Mar 2020 NewDay Ltd UpheldBanking and creditComplaintMr B is unhappy that NewDay Ltd (trading as Aqua) unfairly applied a default to, and then closed, his personal credit card account. This adversely affected his credit score which damaged his business.Background Mr B had an Aqua credit card from NewDay Ltd. He was self-employed, an... (4 pages)View decision -
Decision Reference DRN-5481534
23 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5481534 The complaint Mrs B 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 B applied for an Aqua credit card in August 2018. In her application, Mrs B said he was empl... (3 pages)View decision -
Decision Reference DRN-5752612
13 Aug 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5752612 The complaint Miss R complains that NewDay Ltd trading as Marbles irresponsibly lent to her. What happened Miss R was approved for a Marbles credit card in September 2020 with a £900 credit limit. The credit limit was increased to £1,900 in June 2021. A final credit limit in... (5 pages)View decision
