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-5273702
6 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5273702 The complaint Ms R complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Ms R was approved for an Aqua credit card in May 2016 with a £250 credit limit. This was increased to £400 in November 2017, and the credit limit was increased to £1,100 in ... (3 pages)View decision -
Decision Reference DRN-3686202
6 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3686202 The complaint Ms S is unhappy that NewDay Ltd provided new and further credit to her on multiple occasions, all instances of which she feels weren’t affordable for her at those times. What happened In March 2017, Ms S successfully applied for a NewDay branded credit account (“B... (8 pages)View decision -
Decision Reference DRN4431249
9 Mar 2021 NewDay Ltd UpheldBanking and creditMr H complains that NewDay Ltd, trading as Aqua, (“NDL”), was irresponsible when it agreed to open a credit card account for him and when it later increased his credit limit on two occasions. Mr H says the credit was unaffordable for him. background Mr H opened a credit card account with N... (9 pages)View decision -
Decision Reference DRN-5421670
25 Mar 2025 Bamboo Limited UpheldConsumer CreditDRN-5421670 The complaint Mrs A complains that Bamboo Limited was irresponsible in its lending to her. She wants compensation for this. Mrs A is represented by a third party but for ease of reference I have referred to Mrs A throughout this decision. What happened Mrs A was provided wit... (4 pages)View decision -
Decision Reference DRN-4946679
2 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4946679 The complaint Miss H complains that NewDay Ltd trading as Aqua have irresponsibly lent to her. Miss H 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 ... (4 pages)View decision -
Decision Reference DRN-5562834
19 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5562834 The complaint Ms B complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Ms B is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Ms B herself What h... (2 pages)View decision -
Decision Reference DRN-5117172
31 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5117172 The complaint Mr S complains NewDay Ltd trading as Aqua irresponsibly lent to him. Mr S is represented by a solicitors firm 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 S himself. What happe... (3 pages)View decision -
Decision Reference DRN-5151422
17 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5151422 The complaint Mr J complains that NewDay Ltd trading as Pulse irresponsibly lent to him. Mr J 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 J him... (3 pages)View decision -
Decision Reference DRN-5382219
28 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5382219 The complaint Mr Z complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr Z 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 Z hims... (4 pages)View decision -
Decision Reference DRN5003084
14 Jan 2021 NewDay Ltd UpheldBanking and creditMiss M complains that NewDay Ltd irresponsibly gave her a credit card she couldn’t afford to repay. Miss M is represented in this complaint by her relative. For ease, any comments or submissions made by her representative will be referred to as if made by Miss M herself. background Miss M ... (10 pages)View decision