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 DRN0024548
20 Aug 2014 NewDay Ltd Not upheldBanking and creditThat NewDay Ltd (“NewDay”) lended irresponsibly to the late Mrs J in respect of a credit card.backgroundIn May 2005 Mrs J took out a credit card with NewDay, (formerly Progressive Credit Limited) trading as Opus. The purpose of the borrowing was to allow her to transfer a balance from ... (1 page)View decision -
Decision Reference DRN-3747450
12 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3747450 The complaint Ms W complains that NewDay Ltd trading as Aqua irresponsibly allowed her to open a credit card account which was unaffordable. What happened Ms W says she opened the Aqua credit card account in November 2017. She says at the time she had taken out a number of payd... (2 pages)View decision -
Decision Reference DRN-3068541
10 Dec 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3068541 The complaint Ms W complains that NewDay Ltd lent irresponsibly when it approved her Tui credit card and later increased the credit limit. Ms W also complains that NewDay lent irresponsibly when it approved a Fluid credit card. What happened In May 2019 Ms W applied for a Tui c... (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 -
Decision Reference DRN-3365969
19 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3365969 The complaint Mr B complains that NewDay Ltd trading as Aqua and Marbles lent irresponsibly when it approved his credit card applications and later increased the credit limit. What happened Mr B applied for a Marbles credit card in October 2016. In his application, Mr B said he... (3 pages)View decision -
Decision Reference DRN-3061961
22 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3061961 The complaint Mr L complains that NewDay Ltd trading as Aqua lent irresponsibly by approving two credit cards in his name and increasing the credit limits. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In my p... (4 pages)View decision -
Decision Reference DRN-5455023
27 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5455023 Complaint Miss G has complained about a credit card NewDay Ltd (trading as “Aqua”) provided to her. She says the credit card was irresponsibly provided as it was unaffordable for her. Background Aqua provided Miss G with a credit card with a limit of £450 in October 2022. T... (3 pages)View decision -
Decision Reference DRN-3992810
28 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3992810 The complaint Mr B complains that NewDay Ltd, trading as Aqua, irresponsibly provided him with a credit card and a limit increase. What happened Mr B took out an Aqua branded credit card in August 2017. The limit was £600 and was increased to £1,600 in July 2020. In summary, Mr... (4 pages)View decision -
Decision Reference DRN5462081
9 Jun 2020 NewDay Ltd UpheldBanking and creditM W has complained that NewDay Ltd, trading as ‘Aqua’, acted irresponsibly when it repeatedly increased the limit on his credit card.backgroundMr W took out an Aqua credit card in April 2013. The credit limit, at the time, was £250. Over the course of the next two years, Aqua increased the... (3 pages)View decision -
Decision Reference DRN-3293577
28 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3293577 The complaint Mr M complains that NewDay Ltd lent irresponsibly when it approved two branded credit cards and went on to increase the credit limits. What happened Mr M opened an Aqua credit card with NewDay in April 2018. In June 2019 Mr M successfully applied for a Debenhams c... (3 pages)View decision
