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-6123297
6 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6123297 The complaint NewDay Ltd (‘NewDay’) provided Mr T with a credit card in June 2019. It had a credit limit of £1,200, this was later increased to £1,950 in October 2019 and then to £3,950 in February 2020. Mr T says the credit card was provided irresponsibly. What happened Th... (2 pages)View decision -
Decision Reference DRN-6096900
27 Jan 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6096900 The complaint Ms V complains about the way her account with NewDay Ltd trading as Fluid Credit Card (“NewDay”) was handled by them. What happened Ms V held a credit card account with NewDay. Ms V said she had been making the necessary minimum payments required under the acc... (3 pages)View decision -
Decision Reference DRN-4258948
11 Sep 2023 NewDay Ltd UpheldConsumer CreditDRN-4258948 The complaint Miss H complains that she’s being pursued for a loan taken out with NewDay Ltd (“NewDay”) that she didn’t apply for or use. What happened Miss H has explained to us that she was previously in a coercive relationship in which her ex-partner had full financial contr... (3 pages)View decision -
Decision Reference DRN-5734920
4 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5734920 The complaint Mr S has complained about the lack of support he received from NewDay Ltd trading as Fluid Credit Card, when he was experiencing financial difficulty. What happened Mr S had a NewDay credit card. He called NewDay in August 2024, as he was struggling with repaym... (1 page)View decision -
Decision Reference DRN-4019360
21 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4019360 The complaint Ms T says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Ms T applied for a credit card in May 2018. It was approved with a limit of £1,200. Ms T says NewDay should never have lent to her. If it had checked her credit file it would have seen... (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 DRN6004760
28 Nov 2018 NewDay Ltd Not upheldBanking and creditMr E complains NewDay Ltd hasn’t removed the defaults from his credit file. It’s affecting his credit rating. backgroundMr E had a credit card with NewDay a few years ago. He entered into a debt relief order for six years. The defaults on his credit file should’ve ... (2 pages)View decision -
Decision Reference DRN6424271
22 Apr 2015 NewDay Ltd UpheldBanking and creditMr B complains that NewDay Ltd initially approved him for a credit card and then cancelled the card the next day.backgroundMr B successfully applied for the card online. Two days later he received two letters, one enclosing a PIN number for the card and a further ... (1 page)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 DRN3547818
28 Jan 2020 NewDay Ltd UpheldBanking and creditComplaintMrs P complains that NewDay Ltd didn't provide her with the service they should have in regard to her credit account She says that they failed to waive interest and charges when she explained her financial situation and applied a default when a repayment plan was in place.Bac... (3 pages)View decision