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-5172860
12 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5172860 The complaint Mr D complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr D applied for an Aqua credit card in April 2023. In his application, Mr D said he was employed with an income of £30,000. Aqua appl... (2 pages)View decision -
Decision Reference DRN-5920419
6 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5920419 The complaint Miss M complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Miss M was approved for an Aqua credit card in September 2023, with a £900 credit limit. Miss M says that this was irresponsibly lent to her. Miss M made a complaint to Aq... (2 pages)View decision -
Decision Reference DRN-5654019
27 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5654019 The complaint Mr E complains that NewDay Ltd trading as Marbles 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 deci... (4 pages)View decision -
Decision Reference DRN-5583483
27 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5583483 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 March 2024. In her application, Miss P said she was employed with an annual income of £20,... (3 pages)View decision -
Decision Reference DRN-5764428
26 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5764428 The complaint Mr F complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr F applied for an Aqua credit card in January 2025. In his application, Mr F said he was employed with an annual income of £24,000 t... (3 pages)View decision -
Decision Reference DRN-5446404
2 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5446404 The complaint Miss S complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application. What happened Miss S applied for a credit card with Marbles in February 2023. In her application, Miss S said she was employed with an income o... (2 pages)View decision -
Decision Reference DRN-5191811
30 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5191811 The complaint Miss W complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss W applied for an Aqua credit card in August 2021. In her application, Miss W gave an incom... (3 pages)View decision -
Decision Reference DRN-5722682
29 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5722682 The complaint Ms B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Ms B applied for an Aqua credit card in April 2020. In her application, Ms B said she had an annu... (3 pages)View decision -
Decision Reference DRN-5509314
22 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5509314 The complaint Mr K complains NewDay Ltd trading as NewPay (“NewDay”) didn’t carry out proportionate checks when lending to him, and the lending was unaffordable. Mr K is represented by a professional third party, but for ease of reference I’ll mostly refer to Mr K throughou... (3 pages)View decision -
Decision Reference DRN-3235701
23 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3235701 The complaint Ms M complains that NewDay Ltd trading as Aqua irresponsibly allowed her to open a credit card account and later increased her credit limit. She says the lending was unaffordable. What happened Ms M says she opened the Aqua account in May 2016 and at the time was ... (3 pages)View decision