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-5622318
17 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5622318 The complaint Mr O 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 O applied for an Aqua credit card in February 2018. In his application, Mr O said he was emplo... (3 pages)View decision -
Decision Reference DRN-5619409
17 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5619409 The complaint Mr R 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 R applied for an Aqua credit card in August 2017. In his application, Mr R said he had an inco... (3 pages)View decision -
Decision Reference DRN-5615497
16 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5615497 The complaint Miss R complains that NewDay Limited trading as Aqua (NewDay) lent to her irresponsibly. She says NewDay didn’t do enough to check she could afford to repay the lending sustainably. Miss R says that the initial limit and all subsequent limit increases were unaf... (4 pages)View decision -
Decision Reference DRN-5405457
14 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5405457 The complaint Mr M complains about NewDay Ltd, trading as Aqua, lending to him irresponsibly. What happened In September 2021, Mr M applied for an Aqua credit card. NewDay approved this with a credit limit of £600. In 2024, Mr M complained to NewDay as he considers their l... (3 pages)View decision -
Decision Reference DRN-5514660
13 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5514660 The complaint Mrs T complains that NewDay Ltd, trading as Marbles, irresponsibly provided her with a credit card. Mrs T is supported in bringing this complaint by a representative. But, for ease, I’ll refer to actions and submissions as being those of Mrs T herself. What h... (3 pages)View decision -
Decision Reference DRN-5623649
13 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5623649 The complaint Ms G is unhappy with how NewDay Ltd (NewDay) handled her payment dispute claim. What happened Ms G booked a 14 night villa stay commencing 16 June 2023 with an agent I shall call ‘M’. This was paid using her NewDay credit card at a total cost of £6,887.50 for t... (8 pages)View decision -
Decision Reference DRN-5621034
13 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5621034 The complaint Mr B complains that NewDay Ltd irresponsibly lent to him. What happened Mr B was approved for an NewDay credit card (which I will refer to as A in this decision), in March 2021 with a credit limit of £450. The credit limit was increased to £1,450 in July 2022. ... (6 pages)View decision -
Decision Reference DRN-5620667
13 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5620667 The complaint Mr A complains that NewDay Ltd trading as Fluid have irresponsibly lent to him. What happened Mr A was approved for a Fluid credit card, in January 2020 with a £450 credit limit. I have detailed the credit limit changes below: August 2020 £450 to £1,200 Februar... (4 pages)View decision -
Decision Reference DRN-5589293
12 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5589293 The complaint Mr G complains that he’s been trying to set up a payment plan with NewDay Ltd trading as Pulse but has been unable to do so. What happened Mr G complains that he’s been trying to set up a payment plan with NewDay but has been unable to do so. He says he’s been ... (3 pages)View decision -
Decision Reference DRN-5512987
11 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5512987 The complaint Miss G complains that NewDay Ltd trading as Marbles (“NewDay”) lent her a credit card irresponsibly, and raised the credit limit when she could only afford minimum payments. Miss G is represented by a professional third party, but for ease of reference I’ll ref... (4 pages)View decision