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 2509 results
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Decision Reference DRN-6099527
10 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6099527 The complaint Ms M complains that NewDay Ltd trading as John Lewis Credit Card won’t increase the credit limit on her John Lewis credit card. What happened Ms M has held a John Lewis credit card account for several years with a credit limit of £5000. Ms M is unhappy that whe... (2 pages)View decision -
Decision Reference DRN-5925092
10 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-5925092 The complaint Mr H complains about NewDay Ltd’s handling of his Section 75 claim. What happened The background to this complaint is well known to both parties, so I won’t repeat it here at length. In summary, in November and December 2023, Mr H arranged and paid for repair ... (5 pages)View decision -
Decision Reference DRN-6023202
10 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6023202 The complaint Mr S complains about the way that NewDay Ltd (‘NewDay’) trading as AO Finance allocated payments to his account which he says has caused him financial loss. What happened Mr S had a rolling credit account with NewDay from which he could purchase goods from a bu... (3 pages)View decision -
Decision Reference DRN-5863721
9 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-5863721 The complaint Miss M has complained that NewDay Ltd, trading as Fluid, were irresponsible when supplying her with a credit card and subsequently increasing the credit limit. What happened Fluid provided Miss M with a credit card in March 2023 with a limit of £2,000. This lim... (3 pages)View decision -
Decision Reference DRN-6117142
9 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6117142 The complaint Mrs O is unhappy that NewDay Ltd trading as Aqua allowed her to make transactions on a gambling website on a credit card they’d supplied to her. Mrs O has been represented during the claim and complaint process by Miss G. For ease of reference, I will refer t... (3 pages)View decision -
Decision Reference DRN-6135840
6 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6135840 The complaint Miss O has complained about the way NewDay Ltd dealt with her claim for money back in relation to purchases she made using her credit cards. What happened In around late 2022 Miss O put down a deposit to purchase a diamond ring and bracelet from a business I’l... (8 pages)View decision -
Decision Reference DRN-6071040
6 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6071040 The complaint Mr V complains that NewDay Ltd trading as Aqua (“NewDay”) declined a claim he brought under Section 75 of the Consumer Credit Act 1974. What happened In September 2024, Mr V visited a well-known online marketplace I’ll call “AB” and purchased car parts includin... (4 pages)View decision -
Decision Reference DRN-6135020
6 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6135020 The complaint Mr P complains that NewDay Ltd, trading as Fluid Credit Card, provided credit to him irresponsibly. What happened In December 2020, Mr P successfully applied to NewDay for a credit card which was issued to him with an initial credit limit of £1,200. NewDay the... (6 pages)View decision -
Decision Reference DRN-5920419
6 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5920419 The complaint Miss M complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Miss M was approved for an Aqua credit card in September 2023, with a £900 credit limit. Miss M says that this was irresponsibly lent to her. Miss M made a complaint to Aq... (2 pages)View decision -
Decision Reference DRN-6026902
6 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6026902 The complaint Miss W complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Miss W was approved for an Aqua credit card in June 2019, with a £900 credit limit. The credit limit was increased in September 2019 (to £2,150), September 2020 (£3,400), ... (4 pages)View decision
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