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 1089 results
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Decision Reference DRN3553482
1 Aug 2017 NewDay Ltd UpheldBanking and creditMs G is represented by her brother, Mr G who brings this complaint on her behalf. He thinks that NewDay Ltd trading as Aqua (NewDay) shouldn’t have allowed Ms G to take out a credit card with it – because she is a vulnerable consumer. backgroundIn September 2015, Ms... (3 pages)View decision -
Decision Reference DRN3419379
28 Oct 2019 NewDay Ltd UpheldBanking and creditMrs M has complained that NewDay Ltd (trading as “Aqua”card) provided her with a credit card irresponsibly. She’s said that Aqua would have seen she was already in debt if it had carried out checks and it was unreasonable for Aqua to then increase the credit limit.backgroundI attach my pro... (13 pages)View decision -
Decision Reference DRN-5362204
23 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5362204 The complaint Mr G complains that NewDay Ltd, trading as Marbles, irresponsibly provided him with credit. Mr G is supported in bringing this matter by a representative. But, for ease, I’ll refer to all actions and submissions as being those of Mr G himself. What happened N... (3 pages)View decision -
Decision Reference DRN-5658347
12 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5658347 The complaint Mr I complains NewDay Ltd trading as Aqua (NewDay) acted irresponsibly when it approved a credit card account for him. What happened Mr I says NewDay approved a credit card account for him in January 2022 with a credit limit of £450 and then increased the limit... (3 pages)View decision -
Decision Reference DRN-5014059
10 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5014059 The complaint Ms B is being represented by solicitors. She’s complaining about NewDay Ltd trading as Aqua because she says it lent irresponsibly by providing a credit card she couldn’t afford. What happened In March 2022, Ms B opened a credit card account with NewDay. The in... (3 pages)View decision -
Decision Reference DRN-3559574
24 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3559574 The complaint Miss P complains that NewDay Ltd trading as Aqua have irresponsibly lent to her. Miss 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 Mis... (3 pages)View decision -
Decision Reference DRN-4061037
23 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4061037 The complaint Mr H, who is represented by a third party, complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him a credit card that he couldn’t afford to repay. What happened Mr H entered into an agreement with NewDay to have access to credit with an Aq... (4 pages)View decision -
Decision Reference DRN-5691390
11 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5691390 The complaint Mr B complains NewDay Ltd trading as Aqua (NewDay) failed to carry out sufficient financial checks before it approved a credit card account for him. What happened Mr B says NewDay approved a credit card account for him in January 2021 with a credit limit of £90... (3 pages)View decision -
Decision Reference DRN-2252573
18 Jan 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2252573 The complaint Mr C is unhappy that NewDay Ltd lent to him irresponsibly. He wants NewDay Ltd to refund all interest and charges he has paid together with 8% simple interest. What happened Mr C was accepted for a credit card by NewDay Ltd in August 2015 with a limit of £250. The... (4 pages)View decision -
Decision Reference DRN1119235
5 Aug 2019 NewDay Ltd UpheldBanking and creditMr A complains that NewDay Ltd acted irresponsibly when they gave him a credit card. And he says they shouldn’t have let him exceed his credit limit. To put things right he wants them to refund the interest and charges that were applied, plus 8% statutory interest.backgroundIn May 2014 Mr ... (3 pages)View decision