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-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-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 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 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 -
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 -
Decision Reference DRN-3453613
16 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3453613 The complaint Ms M complains that NewDay Ltd trading as Aqua was irresponsible in its lending to her. What happened Ms M says that had adequate checks been carried out NewDay would have seen that there was a county court judgement recorded on her credit file and it would have r... (3 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-5573047
3 Jun 2025 NewDay Ltd UpheldConsumer CreditThe complaint Mr D complains that NewDay Ltd trading as Aqua (NewDay) shouldn’t have agreed to open a credit card account and subsequently apply further credit limit increases as the lending was unaffordable. In bringing his complaint Mr D is represented by a third party. For ease of readi... (4 pages)View decision -
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