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 2246 results
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Decision Reference DRN-5692776
23 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5692776 The complaint Mr B says NewDay Ltd trading as Aqua (‘NewDay’), irresponsibly lent to him. He says it didn’t take reasonable steps to ensure he could afford the repayments towards a credit card. He says that this has caused him some financial problems over the time he has use... (4 pages)View decision -
Decision Reference DRN-5670908
22 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5670908 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 September 2022. In her application, Miss H said she w... (3 pages)View decision -
Decision Reference DRN-5509314
22 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5509314 The complaint Mr K complains NewDay Ltd trading as NewPay (“NewDay”) didn’t carry out proportionate checks when lending to him, and the lending was unaffordable. Mr K is represented by a professional third party, but for ease of reference I’ll mostly refer to Mr K throughou... (3 pages)View decision -
Decision Reference DRN-5643671
22 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5643671 The complaint Miss N complains that NewDay Ltd trading as Aqua (NewDay) shouldn’t have agreed to her opening a revolving credit facility (credit card account). And applying a subsequent credit limit increase as they should have seen the lending wasn’t affordable for her. In ... (4 pages)View decision -
Decision Reference DRN-5706510
22 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5706510 The complaint Mr C says NewDay Ltd trading as Aqua (‘NewDay’), irresponsibly lent to him. He says it didn’t take reasonable steps to ensure he could afford the repayments towards a credit card. He says that his financial situation was poor when the card was started, and New... (4 pages)View decision -
Decision Reference DRN-5607579
22 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5607579 The complaint Miss S complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Miss S is represented by a solicitor’s 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 Miss S herself... (4 pages)View decision -
Decision Reference DRN-5585722
21 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5585722 The complaint Miss A complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Miss A was approved for an Aqua credit card in June 2022 with a £900 credit limit. I have detailed the credit limit increases below: November 2022 £900 to £1,900 February ... (5 pages)View decision -
Decision Reference DRN-5338621
17 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5338621 The complaint Mr T complains that NewDay Ltd won’t meet his claim under section 75 of the Consumer Credit Act 1974 (“section 75”) after he bought a car at auction which was, he says, faulty. Because he paid for the car in part with his credit card, he says that he can bring ... (6 pages)View decision -
Decision Reference DRN-5699397
17 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5699397 The complaint Miss J complains that NewDay Ltd, trading as Fluid, acted irresponsibly when they didn’t notice her gambling and kept on increasing her credit card limit. What happened Miss J took out a credit card with NewDay in October 2022 with a credit limit of £2,500. N... (6 pages)View decision -
Decision Reference DRN-5646618
17 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5646618 The complaint Miss S complains that NewDay Ltd trading as Aqua (NewDay) acted irresponsibly in agreeing to a credit card account and subsequent credit limit increase as she said the lending wasn’t affordable for her. What happened In April 2022 Miss S applied for a credit ca... (4 pages)View decision
