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-2968936
8 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2968936 The complaint T and Mr R complain that NewDay Ltd have irresponsibly lent to Mr R. What happened Mr R was accepted for his first NewDay credit card with a credit limit of £250. In January 2016 his credit limit was increased to £500, which then increased to £1,300 in July 2016. ... (5 pages)View decision -
Decision Reference DRN9300821
26 Jan 2018 NewDay Ltd UpheldBanking and creditMiss W complains NewDay Ltd increased her credit card limit. It led her into more debt.backgroundMiss W had a credit card issued by NewDay. In September 2015 NewDay increased her credit limit from £500 to £1000. Miss W said at the time she had a low credit score and... (2 pages)View decision -
Decision Reference DRN-5227340
7 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5227340 Complaint Mrs D has complained that NewDay Ltd (trading as “Aqua”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and became unmanageable. Background Aqua initially provided Mrs D with a cr... (4 pages)View decision -
Decision Reference DRN9384832
3 Jul 2019 NewDay Ltd Not upheldBanking and creditMrs A complains that NewDay Ltd (trading as Aqua) irresponsibly lent her money and gave her credit.backgroundMrs A says NewDay shouldn’t have allowed her to open a credit card account. If it’d checked her credit record it would’ve seen she already had other borrowing... (2 pages)View decision -
Decision Reference DRN-5584049
3 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5584049 The complaint Mr P complains NewDay Ltd trading as Marbles Card (“NewDay”) gave him a credit card when he was already struggling. What happened In October 2021, Mr P applied for a credit card with NewDay. The application was accepted, and they provided him with an initial l... (3 pages)View decision -
Decision Reference DRN-3624172
1 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3624172 The complaint Mr P complains that NewDay Ltd has irresponsibly lent to him. Mr 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 Mr P himself. What happe... (5 pages)View decision -
Decision Reference DRN-5486035
15 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5486035 The complaint Mr S complains NewDay Ltd trading as Marbles (NewDay) failed to carry out sufficient financial checks before it approved a credit card account for him. What happened Mr S says he was approved for a credit card account in December 2020 with a credit limit of £60... (3 pages)View decision -
Decision Reference DRN-2974908
1 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2974908 The complaint Miss H complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Miss H applied for an Aqua credit card from NewDay in April 2016. This was agreed with a limit of £250. The debt was passed to a debt collection agency in February 2019 and repaid i... (2 pages)View decision -
Decision Reference DRN-4922655
24 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4922655 The complaint Mr H complains that NewDay Ltd irresponsibly lent to him. What happened Mr H was approved for two NewDay credit cards which I will refer to as A and B. I have detailed the initial credit limits and the credit increases for A below. Card A – approved October 20... (5 pages)View decision -
Decision Reference DRN-3419175
3 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3419175 The complaint Miss P is unhappy as she feels that NewDay Ltd, trading as Aqua, provided her with credit that wasn’t affordable for her. What happened In April 2019, Miss P applied for a NewDay credit account. Her application was approved, and NewDay issued Miss P with an accoun... (3 pages)View decision