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 2527 results
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Decision Reference DRN-5854695
2 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5854695 Complaint Mr M has complained about a credit card and credit limit increases which NewDay Ltd (trading as “Aqua”) provided to him. He says that the credit card as well as the limit increases were irresponsibly provided as the credit was unaffordable for him. Background Aqua... (6 pages)View decision -
Decision Reference DRN-5642772
1 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5642772 The complaint Mr M complains that NewDay Ltd trading as Fluid have irresponsibly lent to him. Mr M 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 ... (3 pages)View decision -
Decision Reference DRN-5840745
30 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5840745 The complaint Mrs N on behalf of Miss N complains that NewDay Ltd trading as Fluid Credit Card (NewDay) lent to her irresponsibly. What happened Miss N opened a credit card account with NewDay in January 2022 with a credit limit of £1,500. Miss N complained to NewDay about... (3 pages)View decision -
Decision Reference DRN-5848825
30 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5848825 The complaint Ms D complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the limit. What happened Ms D applied for an Aqua credit card in July 2022. In her application, Ms D said she had an annual incom... (3 pages)View decision -
Decision Reference DRN-5848189
30 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5848189 The complaint Mr P complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decisio... (4 pages)View decision -
Decision Reference DRN-5634555
29 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5634555 The complaint Ms H complains about being declined a credit card and having a hard search registered on her credit file by NewDay Ltd (“NewDay”). What happened Ms H applied for a credit card with NewDay and passed the first stage of the application, which she took to mean her... (2 pages)View decision -
Decision Reference DRN-5772430
26 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5772430 The complaint Miss T complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved two credit card applications she made and increased the limit on one of the accounts. What happened Miss T first applied for an Aqua credit card in May 2014 (card 1). The appl... (3 pages)View decision -
Decision Reference DRN-5843962
26 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5843962 The complaint Mrs F complains about the service she received from NewDay Ltd trading as Aqua. What happened Mrs F had an Aqua credit card account. After she raised an irresponsible lending complaint, Aqua closed her account and agreed a payment holiday. Mrs F was unhappy to ... (4 pages)View decision -
Decision Reference DRN-5764428
26 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5764428 The complaint Mr F complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr F applied for an Aqua credit card in January 2025. In his application, Mr F said he was employed with an annual income of £24,000 t... (3 pages)View decision -
Decision Reference DRN-5807978
26 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5807978 The complaint Mr P complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application and later increase the limit. What happened Mr P applied for a Marbles credit card in June 2019. In his application, Mr P said he was employed wit... (3 pages)View decision