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 2660 results
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Decision Reference DRN-5627712
29 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5627712 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 February 2019. In her application, Miss H said she wa... (3 pages)View decision -
Decision Reference DRN-5737853
29 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5737853 The complaint Mrs D is unhappy that NewDay Ltd, trading as Aqua, didn’t inform her of changes they made to how they processed received payments. What happened On 7 February 2024, Mrs D made a payment of £2,356.51 to her NewDay account. Mrs D was expecting this amount to be r... (3 pages)View decision -
Decision Reference DRN-5574660
29 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5574660 The complaint Mr H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr H applied for an Aqua credit card in January 2021. In his application, Mr H said he was earning £22,500 that Aqua calculated left h... (2 pages)View decision -
Decision Reference DRN-5700891
28 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5700891 The complaint Mrs F complains that NewDay Ltd trading as Aqua suspended her account without notice. What happened Mrs F holds a credit card account with NewDay. In August 2024 Mrs F raised a complaint with NewDay about affordability. She ‘s unhappy that NewDay suspended her ... (2 pages)View decision -
Decision Reference DRN-5626384
28 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5626384 The complaint Miss A complains NewDay Ltd trading as Aqua (NewDay) failed to carry out reasonable financial checks before it approved a credit card account for her. What happened Miss A says NewDay approved a credit card account with a credit limit of £900 in January 2021, a... (3 pages)View decision -
Decision Reference DRN-5588952
28 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5588952 The complaint Mr L complains NewDay Ltd trading as BIP (NewDay) failed to carry out reasonable credit checks before approving a credit account for him. What happened Mr L says NewDay approved a credit account for him at a time when he already had high levels of external revo... (3 pages)View decision -
Decision Reference DRN-5583483
27 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5583483 The complaint Miss P complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application. What happened Miss P applied for an Aqua credit card in March 2024. In her application, Miss P said she was employed with an annual income of £20,... (3 pages)View decision -
Decision Reference DRN-5506180
26 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5506180 The complaint Mrs M complains that NewDay Ltd trading as Pulse irresponsibly lent to her. Mrs 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 Mrs M ... (3 pages)View decision -
Decision Reference DRN-5636693
26 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5636693 The complaint Mr G complains that NewDay Ltd irresponsibly lent to him. What happened Mr G was approved for a branded NewDay credit card (which I will refer to as A in this decision) in June 2019, with a £250 credit limit. Mr G was approved for another branded NewDay credit ... (3 pages)View decision -
Decision Reference DRN-5640811
26 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5640811 The complaint Mr M complains NewDay Ltd trading as Fluid (NewDay) failed to carry out sufficient financial checks before it increased his credit card account limit. What happened Mr M says NewDay increased his credit card account limit in April 2019 from £900 to £2,150, at a... (3 pages)View decision