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-5840928
25 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5840928 The complaint Mr G complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and increased the credit limit on both accounts. What happened The background to this complaint and my initial conclusions were set out in a provisional dec... (5 pages)View decision -
Decision Reference DRN-5830027
25 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5830027 The complaint Miss C complains that NewDay Ltd trading as Aqau (NewDay) failed to properly check whether she could afford credit limit increases on her credit card account. What happened Around December 2016 Miss C applied for a credit card with NewDay. Her application was s... (4 pages)View decision -
Decision Reference DRN-5840648
25 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5840648 The complaint Miss I complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and later increased her credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional deci... (4 pages)View decision -
Decision Reference DRN-5702011
25 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5702011 The complaint Mr S complains that NewDay Ltd trading as Aqua acted unfairly by terminating his credit card agreement. What happened Mr S holds a credit card account with Aqua. In January, Aqua sent him a default notice requiring him to pay the arrears which had built up on ... (4 pages)View decision -
Decision Reference DRN-5803064
25 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5803064 The complaint Mrs M complains that NewDay Ltd trading as Aqua irresponsibly lent to her, and they didn’t consider information about her disability that she told them. What happened • In January 2024 Mrs M was approved for an Aqua credit card, with a credit limit of £450. • I... (5 pages)View decision -
Decision Reference DRN-5838503
24 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5838503 The complaint Miss M complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss M applied for an Aqua credit card in May 2021. In the application, Miss M said she was ear... (4 pages)View decision -
Decision Reference DRN-5805832
24 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5805832 The complaint Miss H says NewDay Ltd (‘NewDay’), irresponsibly lent to her. She says that it didn’t take reasonable steps to ensure she could afford the repayments towards two credit cards. She says that NewDay increased the credit limit on the cards to the point that they w... (4 pages)View decision -
Decision Reference DRN-5836571
23 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5836571 The complaint Miss C complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusion were set out in a provisional dec... (4 pages)View decision -
Decision Reference DRN-5616715
23 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5616715 The complaint Mrs K is unhappy that NewDay Ltd trading as Debenhams (Debenhams) charged her a cash advance fees and interest on her credit card when she used it to purchase an item. When I refer to what Mrs K and/or Debenhams said or did, it should also be taken to include ... (3 pages)View decision -
Decision Reference DRN-5814909
23 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5814909 The complaint Miss H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss H applied for an Aqua credit card in June 2021. In her application, Miss H said she was em... (3 pages)View decision