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 DRN0568796
1 Jun 2018 NewDay Ltd Not upheldBanking and creditMr B is unhappy NewDay Ltd (trading as Marbles Card) gave him a credit card account without taking into account his circumstances.backgroundMr B applied for a credit card from Marbles. But it gave him a different card with a higher interest rate. Mr B said Marbles didn’t... (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-5928537
5 Nov 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5928537 The complaint Miss H complains NewDay Ltd (NewDay) failed to carry out proper affordability checks before it increased the credit limits on her credit card account. What happened Miss H says NewDay approved a credit card account for her in October 2020 with a limit of £600, ... (4 pages)View decision -
Decision Reference DRN-5641776
23 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5641776 The complaint Mrs D complains that NewDay Ltd didn’t sufficiently check whether she could sustain the repayments before they agreed to lend to her. What happened In September 2020 Mrs D applied for a credit card with NewDay. Her application was successful and NewDay issued h... (4 pages)View decision -
Decision Reference DRN-2895599
10 Dec 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2895599 The complaint Miss M complains that NewDay Ltd trading as Aqua (Aqua) repeatedly increased the credit limit on her credit card to an unaffordable level. What happened Miss M opened a credit card with Aqua on 19 June 2012. Miss M’s credit limit was increased in October 2012, Feb... (5 pages)View decision -
Decision Reference DRN-3115112
19 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3115112 The complaint Mr H complains that NewDay Ltd trading as Aquacard lent him money he couldn’t afford to pay back, and he was in persistent debt as a result of this. What happened Mr H said that NewDay lent to him irresponsibly. He wanted it to refund all charges and interest, an... (5 pages)View decision -
Decision Reference DRN-4709187
26 Mar 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4709187 The complaint Ms W complains that NewDay Ltd (NewDay) lent to her irresponsibly. What happened Ms W applied for two credit cards from NewDay - a Marbles card and an Aqua card. These were agreed, and the limits increased as shown: Marbles: Date Limit March 2020 £1,200 (new card)... (6 pages)View decision -
Decision Reference DRN-4986237
3 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4986237 The complaint Miss C complains that NewDay Limited, trading as Aqua, lent to her irresponsibly when it increased the credit limit on her credit card and that the credit was unaffordable for her. What happened Miss C applied to New Day for an Aqua credit card in November 2020... (4 pages)View decision -
Decision Reference DRN-2818074
26 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2818074 The complaint Mr T complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card then increased the credit limit a few months later. What happened In September 2018 Mr T applied for a credit card with Marbles. The application said Mr T lived ... (2 pages)View decision -
Decision Reference DRN-4821174
28 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4821174 The complaint Mr B is complaining about NewDay Ltd because he says it lent irresponsibly when giving him two credit cards and then going on to increase the credit limits on both. What happened In February 2019, following his application, Mr B was given an Aqua credit card with ... (5 pages)View decision