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
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Decision Reference DRN-5057476
3 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5057476 The complaint Mrs G complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and went on to increase the credit limit on two occasions. What happened The background to this complaint and my initial conclusions were set out... (3 pages)View decision -
Decision Reference DRN-5224651
25 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5224651 The complaint Miss J complains that NewDay Ltd (trading as Aqua) charged too much interest on her credit card account and would not allow her to do a balance transfer. What happened Miss J says Aqua approved a card and increased the limit to £3,500 even though she had a poo... (3 pages)View decision -
Decision Reference DRN-5848189
30 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5848189 The complaint Mr P complains that NewDay Ltd trading as Aqua 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 decisio... (4 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 DRN2746828
31 Jul 2019 NewDay Ltd UpheldBanking and creditMr W complains that NewDay Ltd (trading as Marbles) was irresponsible when it increased the credit limit on his credit card account. backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 9 July 2019 – a copy of which is attach... (5 pages)View decision -
Decision Reference DRN-3050908
15 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3050908 The complaint Ms M complains that NewDay Ltd trading as Aqua irresponsibly increased the credit limit on her credit card account which was unaffordable. What happened Ms M says she has no issue with Aqua’s decision to allow her to open a credit card account in 2016 with a credi... (3 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-4793923
6 Jun 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4793923 The complaint Mr M complains that NewDay Limited Ltd as Aqua lent irresponsibly when it increased the credit limit on his credit card. What happened Mr M had an Aqua credit card that had a credit limit of £1,150. In December 2007, Mr M’s credit limit was increased to £1,550. Aq... (2 pages)View decision -
Decision Reference DRN-3875174
29 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3875174 The complaint Mr M complains that NewDay Ltd trading as Fluid irresponsibly approved his credit card account and later increased the credit limit to unaffordable levels. What happened Mr M says he applied for the Fluid account in January 2020. He says at the time he was in abou... (2 pages)View decision -
Decision Reference DRN-5520870
30 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5520870 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr B applied for an Aqua credit card in September 2022. In his application, Mr B said he had an i... (2 pages)View decision
