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-5534644
20 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5534644 The complaint Miss C complains NewDay Ltd trading as Fluid (NewDay) acted irresponsibly when it provided her with a credit card facility and subsequently increased the limits on that credit card account. What happened Miss C says in April 2022 NewDay approved a credit card a... (3 pages)View decision -
Decision Reference DRN-5570085
19 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5570085 The complaint Mr D complains that NewDay Ltd declined his claim under section 75 of the Consumer Credit Act 1974 (“section 75”), after repairs to his car were not carried out to a satisfactory standard. What happened In February 2022 Mr D bought a used car for £12,500. It ha... (4 pages)View decision -
Decision Reference DRN-5487135
19 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5487135 The complaint Mr H complains that NewDay Ltd trading as Aqua (“NewDay”) were irresponsible when lending him two credit cards and by increasing his credit limit. Mr H is represented by a professional third party, but for ease of reference I’ll refer to Mr H throughout. What... (3 pages)View decision -
Decision Reference DRN-5513770
19 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5513770 The complaint Mrs H complains that NewDay Ltd, trading as Aqua, lent to her irresponsibly in relation to a credit card account. In bringing her complaint, Mrs H is supported by a representative. For ease, though, I’ll only refer to Mrs H throughout. What happened In March ... (3 pages)View decision -
Decision Reference DRN-5562834
19 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5562834 The complaint Ms B complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Ms B is represented by a solicitors 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 Ms B herself What h... (2 pages)View decision -
Decision Reference DRN-5457073
15 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5457073 The complaint Mr P complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr P applied for an Aqua credit card in January 2022. In his application, Mr P said he had an income of £29,000 a year that Aqua calcu... (3 pages)View decision -
Decision Reference DRN-5450407
15 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5450407 The complaint Mrs P complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs P applied for a credit card with Aqua in April 2014. In her application, Mrs P said she was ... (4 pages)View decision -
Decision Reference DRN-5556534
15 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5556534 The complaint Mrs W complains that NewDay Ltd irresponsibly lent to her. Mrs W 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 W herself. What hap... (3 pages)View decision -
Decision Reference DRN-5508377
14 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5508377 The complaint Mr H complains that the balance outstanding on his credit card account is incorrect, and that NewDay Ltd didn’t assist him with his enquiries. What happened Mr H has held a retailer branded credit card account through NewDay for several years. In 2022, the reta... (4 pages)View decision -
Decision Reference DRN-5490107
12 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5490107 The complaint Mrs B complains that NewDay Ltd trading as Marbles and Pulse lent irresponsibly when it approved her credit card applications and increased the credit limit. What happened Mrs B applied for a Marbles credit card with NewDay in May 2017. In her application, Mrs... (3 pages)View decision