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-6068483
17 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6068483 The complaint Ms H complains that NewDay Ltd trading as Aqua (NewDay) lent to her irresponsibly. What happened Ms H took out a credit card with NewDay, in June 2017. The credit limit given to Ms H at that time was £900 and this increased to £4,300 as follows: Date of Incre... (4 pages)View decision -
Decision Reference DRN-5954638
17 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5954638 The complaint Mr B complains that NewDay Ltd trading as Aqua irresponsibly provided him with an unaffordable credit card. What happened NewDay provided Mr B with a credit card on the terms I’ve set out in the table below: Date Event details Credit limit July 2015 Original c... (4 pages)View decision -
Decision Reference DRN-6227049
17 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6227049 The complaint Miss K complains that NewDay Ltd trading as Marbles (NewDay) acted irresponsibly by lending to her. What happened Around November 2020 Miss K applied for a revolving credit facility (credit card) with NewDay. Her application was successful with NewDay issuing h... (4 pages)View decision -
Decision Reference DRN-6195933
16 Mar 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6195933 The complaint NewDay Limited provided Miss R with a credit card account, with a credit limit of £1,200, in November 2022. The credit limit was increased to £2,200 in November 2023 and to £3,200 in March 2024. NewDay also provided Miss R with another credit card account, with... (2 pages)View decision -
Decision Reference DRN-6227800
16 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6227800 The complaint Mr R complains that NewDay Ltd trading as Fluid (“NewDay”) lent to him irresponsibly in providing him with a credit card account that he couldn’t afford. For clarity, I’ll only be considering the last credit limit increase as a colleague has already decided th... (3 pages)View decision -
Decision Reference DRN-6225251
16 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6225251 The complaint Mr T complains that NewDay Ltd trading as Aqua (NewDay) lent to him irresponsibly. What happened Mr T opened a credit card account with NewDay in May 2020 with a credit limit of £450. The credit limit was increased to £1200 in September 2020 and to £2,200 in M... (4 pages)View decision -
Decision Reference DRN-5988919
13 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5988919 The complaint Mrs B complains about the way NewDay Ltd trading as John Lewis Partnership Card, dealt with her claim under section 75 of the Consumer Credit Act 1974 (“Section 75”). What happened In April 2023, Mrs B used her credit card account with NewDay to make a part pay... (3 pages)View decision -
Decision Reference DRN-6223508
13 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6223508 The complaint Mr F complained about the way NewDay Ltd trading as Aqua dealt with a dispute and subsequent claim under Section 75 of the Consumer Credit Act 1974 (Section 75) in relation to a package holiday he paid for using his credit card. What happened The events surrou... (7 pages)View decision -
Decision Reference DRN-6022720
13 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6022720 The complaint Mrs M complaints that NewDay Ltd (‘NewDay’), trading as Fluid, irresponsibly granted her a credit card and then went on to increase her limits. What happened NewDay provided Mrs M with a credit card in October 2021. The initial credit was £900 which was increa... (2 pages)View decision -
Decision Reference DRN-6120455
12 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6120455 The complaint Mr C complains that NewDay Ltd trading as Marbles (“NewDay”) rejected his claim for compensation under section 75 of the Consumer Credit Act 1974 in relation to gambling deposits processed on his credit card to an overseas casino. What happened In July and Augu... (2 pages)View decision