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-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-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-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-5440595
24 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5440595 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 a credit card with Aqua in June 2016. In his application, Mr B said he was emplo... (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 -
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-5796387
4 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5796387 The complaint Miss H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application. What happened Miss H applied for an Aqua credit card in May 2022. In her application, Miss H said she was earning £14,693 a year that Aqua calcula... (2 pages)View decision -
Decision Reference DRN-5863721
9 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-5863721 The complaint Miss M has complained that NewDay Ltd, trading as Fluid, were irresponsible when supplying her with a credit card and subsequently increasing the credit limit. What happened Fluid provided Miss M with a credit card in March 2023 with a limit of £2,000. This lim... (3 pages)View decision -
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