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 2068 results
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Decision Reference DRN-5294512
28 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5294512 The complaint Mr D complains that a payment he made to his credit card with NewDay Ltd wasn’t credited to his account. He’s also unhappy about the customer service he received from NewDay when he complained. What happened Mr D holds a credit card account with NewDay. On 29 J... (3 pages)View decision -
Decision Reference DRN-5297788
27 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5297788 The complaint Mrs O complains that NewDay Ltd irresponsibly lent to her. What happened Mrs O was approved for an NewDay credit card (which I will refer to as A in this decision), in May 2020 with a credit limit of £1,200. I have detailed the credit limit changes below: Octob... (4 pages)View decision -
Decision Reference DRN-5359848
27 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5359848 The complaint Mr C complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and went on to increase the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional dec... (4 pages)View decision -
Decision Reference DRN-5284931
26 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5284931 The complaint Mr M complains about the service he received from NewDay Ltd trading as Marbles. What happened Mr M has a credit card account with Marbles. As he has been experiencing financial difficulties, Marbles agreed to a payment holiday and then breathing space. Mr M is... (3 pages)View decision -
Decision Reference DRN-5285632
24 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5285632 Complaint Miss D has complained about a credit card and subsequent limit increases that NewDay Ltd (trading as “Fluid”) provided to her. She says that her credit limit increases were irresponsibly provided. Background Fluid provided Miss D with a credit card, which had a cr... (3 pages)View decision -
Decision Reference DRN-5294333
21 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5294333 The complaint Mr M complains that NewDay Ltd trading as Fluid have irresponsibly lent to him. What happened Mr M was approved for a Fluid credit card, in May 2021 with a £1,500 credit limit. The credit limit was increased to £2,850 in February 2023. Mr M says that Fluid irre... (3 pages)View decision -
Decision Reference DRN-5293082
21 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5293082 The complaint Mr Z complains NewDay Ltd trading as Aqua irresponsibly lent to him. Mr Z 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 Mr Z himself. What happe... (3 pages)View decision -
Decision Reference DRN-5208366
19 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5208366 The complaint Ms S complains that NewDay Ltd irresponsibly lent to her. What happened Ms S was approved for an NewDay credit card (which I will refer to as A in this decision), in October 2019 with a credit limit of £1,200. I have detailed the credit limit changes below: Jul... (6 pages)View decision -
Decision Reference DRN-5240692
13 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5240692 The complaint Miss E 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 E applied for a credit card with Aqua in September 2017. In her application, Miss E said s... (3 pages)View decision -
Decision Reference DRN-5276883
11 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5276883 The complaint Mr P complains NewDay Ltd trading as Fluid Mastercard irresponsibly lent to him. Mr P 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 Mr... (3 pages)View decision
