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 1021 results
-
Decision Reference DRN-5836571
23 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5836571 The complaint Miss C complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusion were set out in a provisional dec... (4 pages)View decision -
Decision Reference DRN-5760713
18 Aug 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5760713 The complaint Mr P complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decisi... (4 pages)View decision -
Decision Reference DRN2266430
16 Dec 2018 NewDay Ltd Not upheldBanking and creditMs C complains that NewDay Ltd (trading as “Aqua”) acted irresponsibly when it allowed her two credit cards. She says the cards were unaffordable and her credit limits kept being increased. She also says Aqua’s rules were that only one card was allowed per customer.back... (2 pages)View decision -
Decision Reference DRN-5659609
3 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5659609 The complaint Miss P complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application. What happened Miss P applied for an Aqua credit card in February 2025. In her application, Miss P said she was employed with an income of £40,000 ... (2 pages)View decision -
Decision Reference DRN-4443525
13 Dec 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4443525 The complaint Miss H complains that NewDay Ltd (trading as Marbles) was irresponsible to lend to her. What happened Miss H was approved for a Marbles credit card in June 2021, and then two credit limit increases as follows: Date Credit Limit 20 Jun 2021 £900 12 Apr 2022 £1,900 ... (3 pages)View decision -
Decision Reference DRN-5582228
23 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5582228 The complaint Mr B complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application. What happened Mr B applied for a Marbles credit card in April 2022. In his application, Mr B gave an annual income of £52,000 that Marbles calcul... (2 pages)View decision -
Decision Reference DRN-5574660
29 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5574660 The complaint Mr H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr H applied for an Aqua credit card in January 2021. In his application, Mr H said he was earning £22,500 that Aqua calculated left h... (2 pages)View decision -
Decision Reference DRN-5256041
11 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5256041 The complaint Miss B says NewDay Ltd trading as BIP (‘BIP’), irresponsibly lent to her. She says that it didn’t take reasonable steps to ensure she could afford the card repayments and it increased her credit limit three times. She says she spent the balance each month and s... (4 pages)View decision -
Decision Reference DRN-5114677
20 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5114677 The complaint Miss L complains that NewDay Ltd trading as Aqua lent to her irresponsibly. What happened Miss L applied for a credit card with Aqua in May 2021. Aqua approved the application and gave Miss L a credit card with an initial limit of £300. The credit limit was inc... (3 pages)View decision -
Decision Reference DRN-2151780
14 Sep 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-2151780The complaintMr H complains that NewDay Ltd (“Aqua”) acted irresponsibly when it granted him a credit card account with a credit limit of £600. What happenedIn April 2017, Mr H applied online for a credit card account with Aqua. In his application, Mr H said he was employed with... (3 pages)View decision
