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-5352189
8 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5352189 The complaint Mr W 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 W applied for a credit card with Aqua in January 2019. In his application, Mr W said he was emp... (3 pages)View decision -
Decision Reference DRN-2934853
21 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2934853 The complaint Ms S complains that NewDay Ltd trading as Marbles irresponsibly allowed her to open a credit card account which was unaffordable. What happened Ms S says the Marbles credit card account was unaffordable from the time it was opened, and that Marbles didn’t carry ou... (3 pages)View decision -
Decision Reference DRN-1097567
12 May 2020 NewDay Ltd UpheldBanking and PaymentsDRN-1097567The complaintMr W complains that NewDay Ltd (trading as Aqua) irresponsibly lent to him. What happenedMr W applied for a credit card with Aqua in 2014. Based on the information he provided, Aqua accepted his application and opened his account on 11 August 2014. Aqua initially ... (4 pages)View decision -
Decision Reference DRN-4463557
1 Dec 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4463557 Complaint Mr H has complained about a credit card and subsequent credit limit increases NewDay Ltd (trading as “Marbles”) provided to him. He says the credit card was not affordable for him and so shouldn’t have been provided. Background Marbles provided Mr H with a credit card... (4 pages)View decision -
Decision Reference DRN-5843962
26 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5843962 The complaint Mrs F complains about the service she received from NewDay Ltd trading as Aqua. What happened Mrs F had an Aqua credit card account. After she raised an irresponsible lending complaint, Aqua closed her account and agreed a payment holiday. Mrs F was unhappy to ... (4 pages)View decision -
Decision Reference DRN-4771161
7 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4771161 The complaint Mr L complains that NewDay Ltd trading as Argos Credit approved a credit card instead of the store card he applied for. Mr L also complains that NewDay lent irresponsibly when it approved his credit card application. Mr L also says that despite asking NewDay to ca... (3 pages)View decision -
Decision Reference DRN-4393472
17 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4393472 Complaint Mr R has complained about a credit card and subsequent credit limit increases NewDay Ltd (trading as “Marbles”) provided to him. He says the credit card was unaffordable and shouldn’t have been provided. Background Marbles provided Mr R with a credit card with an init... (4 pages)View decision -
Decision Reference DRN-5113993
19 Mar 2025 NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY Not upheldBanking and PaymentsDRN-5113993 The complaint Mr A, through his representative, complains that National Westminster Bank Plc approved a credit card for him in August 2022 with a credit limit of £7,350 which he says he could not afford. What happened Mr A’s representative sent to NatWest its letter of comp... (3 pages)View decision -
Decision Reference DRN-5603859
4 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5603859 The complaint Mr U 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 U applied for an Aqua credit card in June 2018. In his application, Mr U said he was employed ... (3 pages)View decision -
Decision Reference DRN-5061393
18 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5061393 The complaint Mr B complains that NewDay Limited trading as Aqua lent irresponsibly when it approved a credit card he made and later increased the credit limit. What happened Mr B applied for an Aqua credit card in May 2021. In his application, Mr B said he was employed wit... (3 pages)View decision
