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-6248950
25 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6248950 The complaint Mr H complains that NewDay Ltd (‘NewDay’) irresponsibly granted him 3 credit card accounts he couldn’t afford to repay. What happened • NewDay provided Mr H with an Aqua credit card in May 2020, with an initial credit limit of £450. Then, between September 20... (3 pages)View decision -
Decision Reference DRN-6027349
25 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6027349 The complaint Mrs B has complained that NewDay Ltd trading as John Lewis Partnership Card “NewDay” declined her claim for money back in relation to a booking made via a booking agent using her card. What happened All parties are familiar with the facts of this case so I’ll ... (5 pages)View decision -
Decision Reference DRN-6246177
25 Mar 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6246177 The complaint Miss S complains NewDay Ltd trading as Debenhams Credit Card (“NewDay”) acted unfairly by reducing her credit card limit and reporting a missed payment. What happened Miss S held a credit card account with New Day which she’d maintained for a number of years. ... (4 pages)View decision -
Decision Reference DRN-6247607
25 Mar 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6247607 The complaint Mr G complains that NewDay Ltd irresponsibly lent to him. What happened Mr G was approved for a NewDay branded credit card in March 2023, with a £1,500 credit limit. I will refer to this account as A in this decision. The credit limit on A was increased five ti... (6 pages)View decision -
Decision Reference DRN-6163385
25 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6163385 The complaint Miss H complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Miss H was approved for an Aqua credit card in June 2022, with a £1,200 credit limit. The credit limit was increased to £2,200 in October 2022, and to £3,050 in February 2... (3 pages)View decision -
Decision Reference DRN-6092384
24 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6092384 The complaint Mr S complains that NewDay Ltd trading as Fluid (NewDay) lent to him irresponsibly when granting him a credit card and increasing credit limits without making sufficient affordability checks. What happened Mr S applied for and was granted the following credit c... (5 pages)View decision -
Decision Reference DRN-6215715
24 Mar 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6215715 The complaint Mr M complains that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr M was approved for an Aqua credit card in March 2020, with a £450 credit limit. I have set out the credit limit increases below: September 2020 £450 to £1,200 January 202... (4 pages)View decision -
Decision Reference DRN-6004152
23 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6004152 The complaint Ms C complains that NewDay Ltd (NewDay) acted irresponsibly when they agreed to lend to her and in increasing her credit limit. What happened In September 2013, Ms C successfully applied for an Aqua credit card with NewDay with a credit limit of £250. Ms C had... (4 pages)View decision -
Decision Reference DRN-6053075
23 Mar 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6053075 The complaint Mrs R complains that NewDay Ltd is holding her liable for a transaction from her account which she says she didn’t authorise. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some ... (2 pages)View decision -
Decision Reference DRN-6235489
23 Mar 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6235489 Complaint Mr A has complained about a credit card and credit limit increase which New Day Ltd (trading as “Fluid”) provided to him. He says the credit card as well as the limit increase was irresponsibly provided as they were unaffordable. Background In January 2021, Fluid ... (4 pages)View decision