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 1018 results
-
Decision Reference DRN-2873482
7 Jul 2021 NewDay Ltd UpheldBanking and PaymentsPage 1 of 8The complaint Mr O complains that NewDay Ltd, trading as Aqua and Marbles (NewDay) irresponsibly provided him with two credit cards and limit increases on those cards, which increased his debt. What happened In August 2015, Mr O applied for an Aqua branded credit card with NewDa... (8 pages)View decision -
Decision Reference DRN-1901659
5 Aug 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1901659 The complaintMiss S complains that NewDay Ltd irresponsibly allowed her to open a credit card account that was unaffordable. What happenedMiss S says she opened the account in 2016 but says NewDay didn't carry out sufficient checks on her income and outgoings. She says she... (2 pages)View decision -
Decision Reference DRN-5477300
18 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5477300 The complaint Mr H complains that NewDay Ltd trading as Newpay lent to him irresponsibly. What happened In December 2019 Mr H applied for a credit card with NewDay. NewDay approved the application and gave Mr H a card with a credit limit of £1500. Mr H complained that NewDay... (3 pages)View decision -
Decision Reference DRN-4198047
6 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4198047 The complaint Mr C complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened In June 2021 Mr C applied for a Aqua credit card. NewDay approved the application and gave Mr C a card with an initial credit limit of £600. The credit limit was increased to £... (3 pages)View decision -
Decision Reference DRN-3757746
25 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3757746 The complaint Mr M has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr M opened a credit card account with NewDay (trading as Aqua) in April 2021. His credit limit was £900. In August 2021 it was increased to £1,200. Mr M is represented by... (2 pages)View decision -
Decision Reference DRN9703391
18 Dec 2017 NewDay Ltd Not upheldBanking and creditMr M complains NewDay Ltd was irresponsible in allowing him to open a credit card in 2010 and to increase his credit limit on 4 occasions since then. He says he’s now unable to keep up his payments and he’d like the balance written off and the adverse credit data r... (3 pages)View decision -
Decision Reference DRN-4118949
25 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4118949 The complaint Ms E complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Ms E applied for an Aqua credit card with NewDay in May 2020. In the application, Ms E said she was e... (2 pages)View decision -
Decision Reference DRN-2953385
1 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2953385 The complaint Mr P complains that lending made to him by NewDay Ltd wasn’t affordable. He says that NewDay didn’t do sufficient checks to make sure it wasn’t lending irresponsibly. What happened Mr P said that NewDay didn’t do enough checks when it lent to him. He said it shoul... (3 pages)View decision -
Decision Reference DRN7613694
13 Dec 2018 NewDay Ltd Not upheldBanking and creditMr B complains that NewDay Ltd was irresponsible in approving his application for a credit card and that it has recorded a default marker on his credit file.backgroundMr B missed a number of payments on his credit card with NewDay. This led to a default marker being ... (3 pages)View decision -
Decision Reference DRN-4078037
3 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4078037 The complaint Mr M complains that NewDay Ltd trading as Marbles lent to him irresponsibly. What happened Mr M’s complaint is about a credit card provided by NewDay. The account was opened in September 2020 with an initial credit limit of £600. The credit limit was increased to ... (2 pages)View decision
