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-5467471
2 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5467471 The complaint Mr P 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 P applied for an Aqua credit card in August 2019. In his application, Mr P said he was earning... (3 pages)View decision -
Decision Reference DRN-5512444
2 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5512444 The complaint Ms W complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Ms W applied for a Fluid credit card in July 2020. In her application, Ms W said she was employe... (3 pages)View decision -
Decision Reference DRN-5525993
2 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5525993 The complaint Miss S complains that NewDay Ltd irresponsibly lent to her. What happened Miss S was approved for an NewDay credit card (which I will refer to as A in this decision), in December 2018 with a credit limit of £450. I have detailed the credit limit changes below: ... (5 pages)View decision -
Decision Reference DRN-5528465
2 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5528465 The complaint Mr E is unhappy with how NewDay Ltd handled things when he disputed some transactions on his credit card. What happened Around July 2023 Mr E says he contacted NewDay and asked to dispute various transactions from his credit card, in relation to dental consulta... (7 pages)View decision -
Decision Reference DRN-5508210
2 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5508210 The complaint Miss T complains that NewDay Ltd hasn’t refunded all of her losses relating to a claim she made under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened In early 2022, Miss T paid for building works to her property to be completed by a com... (3 pages)View decision -
Decision Reference DRN-5507545
1 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5507545 The complaint Mr E complains that NewDay Ltd collected his Direct Debit payment after he had made a manual payment. What happened Mr E holds a John Lewis Credit Card supplied by NewDay. On 28 June 2024 Mr E received an email advising him that he was nearing his credit limit ... (2 pages)View decision -
Decision Reference DRN-5518052
1 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5518052 The complaint Miss L complains NewDay Ltd trading as Aqua irresponsibly lent to her. Miss L 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 Miss L herself. What... (4 pages)View decision -
Decision Reference DRN-5488389
30 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5488389 The complaint Miss B 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 B applied for an Aqua credit card in December 2021. Aqua’s confirmed Miss B gave her incom... (3 pages)View decision -
Decision Reference DRN-5437843
30 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5437843 The complaint Mr U complains that NewDay Ltd trading as Aquacard (“NewDay”) didn’t handle his claim correctly. What happened Mr U purchased a number of items from a retailer I shall call ‘”G” on 6 November 2023 at a total cost of £477.47. However he decided he didn’t want th... (5 pages)View decision -
Decision Reference DRN-5520870
30 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5520870 The complaint Mr B 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 B applied for an Aqua credit card in September 2022. In his application, Mr B said he had an i... (2 pages)View decision