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 922 results
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Decision Reference DRN-5712431
24 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5712431 The complaint Mrs W complains that NewDay Ltd have irresponsibly lent to her. What happened Mrs W was approved for a NewDay branded credit card in January 2020 (which I will refer to as A in this decision). A was approved with a £900 credit limit. I have detailed the credit ... (5 pages)View decision -
Decision Reference DRN-5552313
12 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5552313 The complaint Mr K complains that NewDay Ltd irresponsibly lent to him. What happened Mr K was approved for a NewDay branded credit card (which I will refer to as A in this decision), in January 2011 with a credit limit of £500. I have detailed the credit limit changes below... (7 pages)View decision -
Decision Reference DRN-5145854
14 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5145854 The complaint Mrs R has complained that NewDay Ltd, trading as Aquacard (“NewDay”), irresponsibly granted her a credit card account, and subsequently increased the credit limit, which she couldn’t afford to repay. What happened Mrs R took out a credit card with NewDay on 30 ... (6 pages)View decision -
Decision Reference DRN-5145965
14 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5145965 The complaint Miss T complains that NewDay Ltd irresponsibly lent to her. What happened Miss T was approved for a branded NewDay credit card (which I will refer to as A in this decision), in March 2020 with a credit limit of £900. I have detailed the credit limit changes bel... (6 pages)View decision -
Decision Reference DRN-5183876
14 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5183876 The complaint Mr P complains that NewDay Ltd irresponsibly lent to him. Mr P is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr P himself. What happen... (5 pages)View decision -
Decision Reference DRN-3169475
23 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3169475 The complaint Mr B complains that NewDay Ltd, trading as Aqua, (NewDay) irresponsibly provided him with a credit card and limit increases on that card, which increased his debt. What happened In November 2013, Mr B applied for an Aqua branded credit card with NewDay. At the ti... (5 pages)View decision -
Decision Reference DRN-2884251
21 Dec 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2884251 The complaint Mr B complains about two separate credit card accounts he took out with NewDay Ltd. He says that both accounts were unaffordable, and NewDay irresponsibly lent to him. What happened Mr B has both an Aqua credit card and a Marbles credit card with NewDay. He compl... (7 pages)View decision -
Decision Reference DRN-5161333
21 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5161333 The complaint Mrs N complains that NewDay Ltd irresponsibly lent to her. Mrs N is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mrs N herself. What hap... (8 pages)View decision -
Decision Reference DRN-5621034
13 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5621034 The complaint Mr B complains that NewDay Ltd irresponsibly lent to him. What happened Mr B was approved for an NewDay credit card (which I will refer to as A in this decision), in March 2021 with a credit limit of £450. The credit limit was increased to £1,450 in July 2022. ... (6 pages)View decision -
Decision Reference DRN-2873482
7 Jul 2021 NewDay Ltd UpheldBanking and PaymentsPage 1 of 8The complaint Mr O complains that NewDay Ltd, trading as Aqua and Marbles (NewDay) irresponsibly provided him with two credit cards and limit increases on those cards, which increased his debt. What happened In August 2015, Mr O applied for an Aqua branded credit card with NewDa... (8 pages)View decision
