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 793 results
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Decision Reference DRN-5426222
25 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5426222 The complaint Mr C complains that NewDay Ltd irresponsibly lent to him. What happened Mr C was approved for a branded NewDay credit card (which I will refer to as A in this decision), in August 2020 with a credit limit of £600. I have detailed the credit limit changes on A b... (5 pages)View decision -
Decision Reference DRN-5145965
14 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5145965 The complaint Miss T complains that NewDay Ltd irresponsibly lent to her. What happened Miss T was approved for a branded NewDay credit card (which I will refer to as A in this decision), in March 2020 with a credit limit of £900. I have detailed the credit limit changes bel... (6 pages)View decision -
Decision Reference DRN-5183876
14 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5183876 The complaint Mr P complains that NewDay Ltd irresponsibly lent to him. Mr P is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr P himself. What happen... (5 pages)View decision -
Decision Reference DRN-2884251
21 Dec 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2884251 The complaint Mr B complains about two separate credit card accounts he took out with NewDay Ltd. He says that both accounts were unaffordable, and NewDay irresponsibly lent to him. What happened Mr B has both an Aqua credit card and a Marbles credit card with NewDay. He compl... (7 pages)View decision -
Decision Reference DRN-3169475
23 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3169475 The complaint Mr B complains that NewDay Ltd, trading as Aqua, (NewDay) irresponsibly provided him with a credit card and limit increases on that card, which increased his debt. What happened In November 2013, Mr B applied for an Aqua branded credit card with NewDay. At the ti... (5 pages)View decision -
Decision Reference DRN-5161333
21 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5161333 The complaint Mrs N complains that NewDay Ltd irresponsibly lent to her. Mrs N is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mrs N herself. What hap... (8 pages)View decision -
Decision Reference DRN-2873482
7 Jul 2021 NewDay Ltd UpheldBanking and PaymentsPage 1 of 8The complaint Mr O complains that NewDay Ltd, trading as Aqua and Marbles (NewDay) irresponsibly provided him with two credit cards and limit increases on those cards, which increased his debt. What happened In August 2015, Mr O applied for an Aqua branded credit card with NewDa... (8 pages)View decision -
Decision Reference DRN-1901659
5 Aug 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1901659 The complaintMiss S complains that NewDay Ltd irresponsibly allowed her to open a credit card account that was unaffordable. What happenedMiss S says she opened the account in 2016 but says NewDay didn't carry out sufficient checks on her income and outgoings. She says she... (2 pages)View decision -
Decision Reference DRN-4198047
6 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4198047 The complaint Mr C complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened In June 2021 Mr C applied for a Aqua credit card. NewDay approved the application and gave Mr C a card with an initial credit limit of £600. The credit limit was increased to £... (3 pages)View decision -
Decision Reference DRN9703391
18 Dec 2017 NewDay Ltd Not upheldBanking and creditMr M complains NewDay Ltd was irresponsible in allowing him to open a credit card in 2010 and to increase his credit limit on 4 occasions since then. He says he’s now unable to keep up his payments and he’d like the balance written off and the adverse credit data r... (3 pages)View decision
