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 2553 results
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Decision Reference DRN-5653997
27 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5653997 The complaint Mr P has argued that NewDay Ltd trading as Aqua gave him a credit card and subsequent limit increases, he couldn’t afford to repay. What happened In January 2014 NewDay agreed a credit card with an initial £100 limit. The limit was then increased on the followi... (6 pages)View decision -
Decision Reference DRN-3046167
15 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3046167 The complaint Miss T complains that NewDay Ltd, trading as Argos Classic Credit Card (“NewDay”), failed to carry out appropriate affordability checks before approving credit, and subsequent credit limit increases. What happened Between 2011 and 2019 Miss T applied for and was a... (5 pages)View decision -
Decision Reference DRN-3701347
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3701347 The complaint Mr M complains that NewDay Ltd have irresponsibly lent to him. Mr M 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 M himself. What happened Mr M ... (5 pages)View decision -
Decision Reference DRN8921499
24 Jun 2020 NewDay Ltd Not upheldBanking and creditComplaintMrs C has complained that NewDay Ltd won’t refund a payment she made after being scammed.BackgroundMrs C responded to a text message, which appeared to come from Google. It said that as she’d been a longstanding customer, she was eligible to enter into a prize draw for a phone. Al... (2 pages)View decision -
Decision Reference DRN-3504864
20 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3504864 The complaint Miss H complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss H was provided with an Aqua credit card with an initial credit limit of £300 and the credit limit was gradually increased to £2,500. She says that NewDay had not been prov... (4 pages)View decision -
Decision Reference DRN6085570
17 Jun 2016 NewDay Ltd Not upheldBanking and creditMs D complained about NewDay Ltd. She said:-She’d completed online queries which NewDay hadn’t replied to;-When she spoke to NewDay, the advisor was argumentative. backgroundIn December 2015, Ms D’s NewDay card was rejected in one shop, but then accepted in two other... (2 pages)View decision -
Decision Reference DRN-3825857
29 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3825857 The complaint Mrs R complains that NewDay Ltd (‘NewDay’) irresponsibly gave her a credit card account and credit limit increases that she couldn’t afford. What happened In January 2020, Mrs R applied for a credit card account with NewDay. She was given an initial credit limit o... (2 pages)View decision -
Decision Reference DRN-5164403
26 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5164403 The complaint Mr W has complained about a credit card NewDay Ltd trading as Fluid Credit Card (“NewDay”) provided to him. Mr W says that he shouldn’t have been given the credit card as it was unaffordable for him. What happened In April 2021 NewDay provided Mr W with a cre... (3 pages)View decision -
Decision Reference DRN-4291520
6 Dec 2023 NewDay Ltd Not upheldConsumer CreditDRN-4291520 The complaint Mrs S has complained that, after she made purchases, NewDay Ltd applied them to the wrong choice of repayment option. What happened Mrs S has complained that three items she bought, using finance from NewDay, were bought on ‘buy now, pay later’ (‘BNPL’). But, NewD... (1 page)View decision -
Decision Reference DRN-3761376
22 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3761376 The complaint Mr B complains that NewDay Ltd was irresponsible in its lending to him. What happened NewDay provided Mr B with an Aqua branded credit card in April 2016. The initial credit limit was £300. NewDay increased the credit limit on five occasions until it was set at £3... (3 pages)View decision