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-4642287
23 Feb 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4642287 The complaint Miss M complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened I don’t need to go into the background here – as this provisional decision is about how to get the remedies implemented, and not the decision itself. NewDay approved a new credit ca... (5 pages)View decision -
Decision Reference DRN-5127298
7 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5127298 The complaint Ms R is complaining about NewDay Ltd trading as Aquacard because she says it lent irresponsibly by providing her with a credit card and then going on to increase the credit limit. What happened In June 2021, Ms R opened a credit card account with NewDay with an... (4 pages)View decision -
Decision Reference DRN-5173143
4 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5173143 The complaint Mr R complains that NewDay Ltd irresponsibly lent him money on a credit card. What happened Mr R applied for a credit card with NewDay in September 2019. NewDay offered him a card with an initial credit limit of £1,200. NewDay subsequently increased the credit ... (3 pages)View decision -
Decision Reference DRN-4838041
10 Jun 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4838041 The complaint Mr M complains that NewDay Ltd acted irresponsibly in lending him two credit cards. What happened Mr M took out a credit card with NewDay under its Aqua brand in June 2021, with a credit limit of £600. In November 2022, Mr M took out a further credit card with New... (4 pages)View decision -
Decision Reference DRN-5488218
16 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5488218 The complaint Miss B complains NewDay trading as Aqua (NewDay) failed to undertake sufficient financial checks before approving two credit card accounts for her in 2019 and 2021. What happened Miss B says NewDay approved a credit card account (card1) for her in July 2019 wit... (4 pages)View decision -
Decision Reference DRN-3404009
29 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3404009 The complaint Mr D complains NewDay Ltd approved his application for two different credit card accounts that were unaffordable and he’s also unhappy with credit limit increases that were later applied to the accounts. What happened Mr D has two credit cards with NewDay – one Aq... (4 pages)View decision -
Decision Reference DRN-3054116
17 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3054116 The complaint Miss C complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened In November 2016, Miss C asked for a marbles card from NewDay – it was agreed with a limit of £300. Further increases were offered and put in place: NewDay gave a COVID19 payment ho... (4 pages)View decision -
Decision Reference DRN-5305516
4 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5305516 The complaint Miss S complains that NewDay Ltd, trading as Aqua, irresponsibly provided her with credit. Miss S is supported in bringing this complaint by a representative. But for ease, I’ll refer to all submissions and actions as being those of Miss S herself. What happe... (3 pages)View decision -
Decision Reference DRN-4819390
20 Jun 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4819390 The complaint Mrs S 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 and then going on to increase the credit limit further. What happened In July 2020, M... (4 pages)View decision -
Decision Reference DRN-5574373
5 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5574373 The complaint Miss M complains NewDay Ltd trading as Aqua (NewDay) failed to carry out affordability checks before it approved a credit card facility and subsequently increased the credit limits on that credit card account. What happened Miss M says she took out an Aqua cred... (4 pages)View decision