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-4586544
14 Feb 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4586544 Complaint Miss C has complained about a credit card NewDay Ltd (trading as “Aqua”) provided to her. She says the credit card was irresponsibly provided to her and then her limit increased even after she was only making minimum payments. Background Aqua provided Miss C with a cr... (3 pages)View decision -
Decision Reference DRN-5302767
28 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5302767 The complaint Mrs B complains NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Mrs B was approved for an Aqua credit card in January 2018 with a £450 credit limit. I have detailed the credit limit changes below: November 2018 £450 to £1,100 April 2019 £1,1... (3 pages)View decision -
Decision Reference DRN-5344658
11 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5344658 The complaint Mr A 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 A applied for a credit card with Aqua in September 2018. In his application, Mr A said he was ... (3 pages)View decision -
Decision Reference DRN-3614638
29 Jul 2022 NewDay Ltd UpheldConsumer CreditDRN-3614638 Complaint Ms C has complained that NewDay Ltd (trading as “Marbles”) irresponsibly provided her with an unaffordable credit card and loan. She’s said she’d already had difficulty repaying what she owed and shouldn’t have been lent to. Background Ms C was provided with a Marbles... (5 pages)View decision -
Decision Reference DRN-3653775
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3653775 The complaint Mrs F complains that NewDay Ltd lent irresponsibly when it approved a Debenhams and Fluid credit card in her name. What happened Mrs F had previously held two Aqua credit cards with NewDay. The cards were closed following financial difficulties with Mrs F in 2014... (3 pages)View decision -
Decision Reference DRN-2803985
10 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2803985 The complaint Mr T complains that NewDay Ltd (trading as Marbles) irresponsibly increased his credit limit. What happened On 3 July 2015 NewDay approved Mr T’s credit card application, giving him a credit limit of £250. Mr T says he was struggling with other debts and financial... (4 pages)View decision -
Decision Reference DRN-5498058
29 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5498058 The complaint Mr M 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 M applied for a credit card with Aqua in December 2021. In his application, Mr M said he had a... (3 pages)View decision -
Decision Reference DRN-3146913
5 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3146913 The complaint Miss S complains that NewDay Ltd acted irresponsibly by granting her a credit card and increasing her credit limit several times. She says the lending was unaffordable for her. What happened In January 2017, Miss S applied for a credit card with NewDay. Her applic... (5 pages)View decision -
Decision Reference DRN-2886687
8 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2886687 The complaint Mrs M complains that NewDay Ltd lent irresponsibly when it approved two credit cards and a loan in her name. Mrs M also complains that NewDay increased her credit limit. What happened In August 2017 Mrs M applied for a credit card with Marble. In the application, ... (3 pages)View decision -
Decision Reference DRN-3598788
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3598788 The complaint Mr T complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr T says that NewDay lent to him irresponsibly when it increased the credit limit on the Asda and Aqua credit cards he held. The Asda credit card account was opened in March 2... (3 pages)View decision
