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 2527 results
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Decision Reference DRN-5455678
7 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5455678 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 April 2024. In his application, Mr B said he was employed... (2 pages)View decision -
Decision Reference DRN-5462412
7 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5462412 The complaint Mrs H complains that NewDay Ltd trading as Marbles irresponsibly lent to her. Mrs H 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 ... (5 pages)View decision -
Decision Reference DRN-5395753
4 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5395753 The complaint Miss W complains that NewDay Ltd trading as Fluid Mastercard irresponsibly lent to her. What happened Miss W was approved for a Fluid credit card in June 2022 with a credit limit of £2,000. The credit limit was increased to £2,700 in October 2022. Miss W says t... (3 pages)View decision -
Decision Reference DRN-5415838
3 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5415838 The complaint Miss C complains that NewDay Ltd (NewDay) were insensitive and unsupportive when she was vulnerable following the loss of her parents. What happened Miss C called NewDay on 14 February 2024 and told them her parents had died and that she’d been made homeless. S... (3 pages)View decision -
Decision Reference DRN-5454192
3 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5454192 The complaint Mr O complains that NewDay Ltd lent irresponsibly when it approved two credit card applications and increased the credit limit on both accounts. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I... (5 pages)View decision -
Decision Reference DRN-5452258
3 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5452258 The complaint Mr I complains that NewDay Ltd irresponsibly lent him money on two credit cards. What happened Mr I took out two credit cards with NewDay – one under its Aqua brand, and one under its Marbles brand. The Aqua card was granted in January 2020 with an initial cred... (6 pages)View decision -
Decision Reference DRN-5398938
2 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5398938 The complaint Mrs K complains that NewDay Ltd trading as Aqua (NewDay) shouldn’t have agreed to open two credit card accounts and subsequently apply further credit limit increases as the lending was unaffordable. In bringing her complaint Mrs K is represented by a third part... (4 pages)View decision -
Decision Reference DRN-5446404
2 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5446404 The complaint Miss S complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application. What happened Miss S applied for a credit card with Marbles in February 2023. In her application, Miss S said she was employed with an income o... (2 pages)View decision -
Decision Reference DRN-5447066
1 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5447066 The complaint Mrs F complains that NewDay Ltd trading as Fluid (‘NewDay’) increased the interest rate on her credit card account twice and didn’t give a valid reason for doing so. Mrs F’s also unhappy that NewDay didn’t engage with her concerns when she sent them letters by... (5 pages)View decision -
Decision Reference DRN-5446134
1 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5446134 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 November 2016. In his application, Mr B said he was emplo... (3 pages)View decision