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 DRN-2440476
23 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2440476 Complaint Mr H says that NewDay Ltd (trading as “Aqua”) irresponsibly lent to him. He said any affordability checks would have shown that he wasn’t fit to be lent to. Background Mr H was provided with an Aqua credit card with an initial credit limit of £250 in August 2017. In ... (6 pages)View decision -
Decision Reference DRN-4235944
28 Sep 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4235944 The complaint Miss D complains that NewDay Ltd trading as Fluid irresponsibly gave her two credit cards she couldn’t afford to repay. What happened In July 2021, Miss D applied for a credit card with NewDay. She was given an initial credit limit of £1,200. The limit was increas... (3 pages)View decision -
Decision Reference DRN-3449484
26 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3449484 The complaint Mr T complains that NewDay Ltd have irresponsibly lent to him. What happened Mr T was approved for two NewDay credit cards which I will refer to as A and B. NewDay increased the credit limits on both cards, which I have detailed below. Card A – approved April 2015... (5 pages)View decision -
Decision Reference DRN-3372047
17 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3372047 The complaint Mrs T complains that NewDay Ltd trading as Marbles has irresponsibly lent to her. What happened Mrs T applied for a branded NewDay credit card in March 2020 and was accepted for a £900 credit limit. Mrs T complained to NewDay that they had irresponsibly lent to he... (5 pages)View decision -
Decision Reference DRN-5092362
21 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5092362 Complaint Mr L has complained about a (“Marbles”) branded credit card and the subsequent credit limit increases on it which NewDay Ltd provided to him. He says he was provided with the credit card and credit limit increases without any concern for his financial difficulty. ... (6 pages)View decision -
Decision Reference DRN-2810472
11 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2810472 The complaint Mr H complains that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly. What happened Mr H opened his Aqua card account in 2012. Aqua increased his credit limits as follows: Date Old Limit New Limit June 2012 - £500 November 2012 £500 £750 April 2013 £750... (7 pages)View decision -
Decision Reference DRN-2753071
13 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2753071 The complaint Miss M complains that NewDay Ltd irresponsibly allowed her to open two credit card accounts which were unaffordable. What happened Miss M says she opened two NewDay accounts. The first was opened in 2014 and credit limit increases were applied until the account wa... (2 pages)View decision -
Decision Reference DRN8330716
13 May 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd (trading as Aqua) irresponsibly gave him a credit card in 2016 given his circumstances and that it subsequently sold his account to a third party. He wants to deal with NewDay not the third party, wants the debt written off and his cred... (2 pages)View decision -
Decision Reference DRN-4944724
8 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4944724 The complaint Miss D complains that NewDay Ltd, trading as Aquacard, irresponsibly provided her with a credit card account she couldn’t afford. She’s also unhappy with the four credit limit increases (CLIs) it subsequently applied to the account. What happened In March 2020 ... (3 pages)View decision -
Decision Reference DRN-5193420
21 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5193420 The complaint Mr M complains about interest rate increases that NewDay Ltd (‘NewDay’), trading as Debenhams Mastercard, applied to his account. What happened Mr M experienced some difficulty making repayments towards his NewDay credit card account. He was allowed breathing s... (2 pages)View decision