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-5632894
17 Jul 2025 NewDay Ltd Not upheldConsumer CreditDRN-5632894 The complaint Mrs B complains that NewDay Ltd trading as AO Finance (NewDay) acted irresponsibly in agreeing to credit she said was unaffordable for her. What happened In December 2021 Mrs B applied for a revolving credit facility with NewDay. Her application was successful ... (3 pages)View decision -
Decision Reference DRN-5680641
17 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5680641 The complaint Miss R complains that NewDay Ltd trading as Aqua (NewDay) unfairly reported missed credit card payments to the Credit Reference Agencies (‘CRAs’) and this affected her ability to get a loan. Miss R wants her credit file amending and compensation for her distre... (2 pages)View decision -
Decision Reference DRN-5488218
16 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5488218 The complaint Miss B complains NewDay trading as Aqua (NewDay) failed to undertake sufficient financial checks before approving two credit card accounts for her in 2019 and 2021. What happened Miss B says NewDay approved a credit card account (card1) for her in July 2019 wit... (4 pages)View decision -
Decision Reference DRN-5636362
15 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5636362 The complaint Mr M is unhappy that NewDay Ltd trading as Fluid gave him incorrect information about a money transfer and reversed a payment without his authority. What happened On 31 January 2024 Mr M phoned NewDay to ask about transferring money from his credit card account... (2 pages)View decision -
Decision Reference DRN-5598864
15 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5598864 The complaint Miss M complains that NewDay Ltd cancelled payment arrangements on her accounts without telling her and applied interest despite the fact that she was maintaining payment arrangements across all three accounts. What happened Miss M holds three credit card accou... (2 pages)View decision -
Decision Reference DRN-5486035
15 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5486035 The complaint Mr S complains NewDay Ltd trading as Marbles (NewDay) failed to carry out sufficient financial checks before it approved a credit card account for him. What happened Mr S says he was approved for a credit card account in December 2020 with a credit limit of £60... (3 pages)View decision -
Decision Reference DRN-5644355
14 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5644355 The complaint Mr P has complained about the quality of a car he bought, in part using his NewDay Ltd credit card. What happened In May 2023, Mr P bought a used car. He paid the deposit using his NewDay credit card. Unfortunately, in May 2024, the car broke down as the timing... (3 pages)View decision -
Decision Reference DRN-5683446
14 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5683446 The complaint Mr H is unhappy with how NewDay Ltd (‘NewDay’) reported information about his Aqua credit card and Bip credit accounts to the Credit Reference Agencies (‘CRAs’) following his Debt Relief Order. Mr H wants his credit file amending and compensation for his distr... (3 pages)View decision -
Decision Reference DRN-5648274
11 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5648274 The complaint Mr A complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr A applied for a credit card with Aqua in August 2016. In his application, Mr A said he was ear... (3 pages)View decision -
Decision Reference DRN-5650327
11 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5650327 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 July 2024 with a £600 credit limit. She says this was irresponsibly lent to her as she had pay day loans, and other debt. Mi... (3 pages)View decision
