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 2568 results
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Decision Reference DRN-4852946
26 Jun 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4852946 The complaint Mr D complains that NewDay Ltd trading as John Lewis Credit Card has prevented his bank carrying out account checks. What happened Mr D says he tried to set up a payment to NewDay for his credit card account. He says his bank gave him a warning that the account he... (2 pages)View decision -
Decision Reference DRN0024548
20 Aug 2014 NewDay Ltd Not upheldBanking and creditThat NewDay Ltd (“NewDay”) lended irresponsibly to the late Mrs J in respect of a credit card.backgroundIn May 2005 Mrs J took out a credit card with NewDay, (formerly Progressive Credit Limited) trading as Opus. The purpose of the borrowing was to allow her to transfer a balance from ... (1 page)View decision -
Decision Reference DRN7546168
11 Jul 2019 NewDay Ltd UpheldPayment protection insurance (PPI)This complaint’s about a payment protection insurance (PPI) policy taken out with a credit card in 1998. Mr L says NewDay Ltd mis-sold him the PPI.my findingsI’ve considered all the available evidence and arguments to decide what is fair and reasonable in the circumstances of this complain... (2 pages)View decision -
Decision Reference DRN-5573674
11 Jun 2025 NewDay Ltd Not upheldConsumer CreditThe complaint Mrs S complains that NewDay Ltd trading as Aqua (NewDay) acted irresponsibly in opening a credit card account and subsequently increasing her credit limit. What happened In July 2018 Mrs S applied for a credit card with NewDay. Her application was successful and NewDay applie... (3 pages)View decision -
Decision Reference DRN-2309123
2 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2309123 The complaint Mrs E complains that NewDay Ltd (trading as Marbles) raised her credit limit repeatedly when she held a credit card with it. She said this was irresponsible lending. What happened Mrs E said her credit limit had been increased irresponsibly on a card she held with... (3 pages)View decision -
Decision Reference DRN-4476289
4 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4476289 The complaint Miss F complains that NewDay Ltd irresponsibly provided her with a credit card account she couldn’t afford. She’s also unhappy with the two credit limit increases (CLIs) it subsequently applied to the account. What happened In October 2016 NewDay opened a credit c... (3 pages)View decision -
Decision Reference DRN2356651
31 May 2018 NewDay Ltd UpheldBanking and creditMiss B is unhappy about the difficulties she has had with NewDay Ltd (trading as Aqua) regarding chargebacks for several disputed transactions on her credit card.backgroundMiss B used her credit card to buy a number of items from overseas. These items didn’t arrive. Mi... (3 pages)View decision -
Decision Reference DRN-3371735
15 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3371735 The complaint Miss F is unhappy that NewDay Ltd, trading as Marbles, provided her with increasing amounts of credit, which she feels was unaffordable for her at those times. What happened Miss F applied for a NewDay credit account in September 2016. Her application was successf... (4 pages)View decision -
Decision Reference DRN-5649957
3 Dec 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5649957 The complaint Mr S complains about the actions of NewDay Ltd trading as Fluid Credit Card when he lost money to what he says was a scam. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of ... (2 pages)View decision -
Decision Reference DRN-3547212
16 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3547212 The complaint Mrs B complains that NewDay Ltd trading as Aqua (NewDay) lent to her irresponsibly when it gave her a credit card. Mrs B is assisted in this matter by her son. But, for ease, I’ll refer to Mrs B throughout. What happened Mrs B took out an Aqua branded credit card ... (4 pages)View decision