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-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-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 -
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-3601873
19 Jul 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3601873 The complaint Miss S complains that Shop Direct Finance Company Limited (‘Shop Direct’) irresponsibly gave her two running account credit facilities that she couldn’t afford. What happened On 2 December 2017, Miss S applied for a credit account with Shop Direct trading as Littl... (3 pages)View decision -
Decision Reference DRN-3799358
5 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3799358 The complaint Miss H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card and increased the credit limit. What happened Miss H applied for a credit card with NewDay in April 2021. NewDay approved the application and gave Miss H a credit... (2 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 DRN-2800414
17 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2800414 The complaint Ms K complains that NewDay Ltd lent irresponsibly when it approved two credit cards and increased her credit limit. What happened Ms K applied for a credit card (card 1) with NewDay in October 2016 and was given a £500 credit limit. In Ms K’s application, she told... (3 pages)View decision -
Decision Reference DRN-3786800
4 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3786800 The complaint Miss G says NewDay Ltd irresponsibly lent to her. What happened Miss G’s complaint is about a credit card provided by NewDay. The account was opened in May 2020 with an initial credit limit of £1000. There were no further credit limit increases. Miss G complained ... (2 pages)View decision -
Decision Reference DRN-4501210
5 Mar 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4501210 The complaint Ms C complains that NewDay Ltd (trading as Aqua) was irresponsible to lend to her. What happened Ms C was approved for an Aqua credit card in April 2015, and then six credit limit increases as follows: Date Credit Limit Opening 29 Apr 2015 £250 Increase 1 21 Sep 2... (4 pages)View decision -
Decision Reference DRN-4886209
24 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4886209 The complaint Mrs F complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and went on to increase her credit limit on various occasions. What happened In November 2017 Mrs F applied for a credit card with Marbles. Mrs F... (3 pages)View decision