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 DRN3382770
12 Jul 2017 NewDay Ltd Not upheldBanking and creditMr H complains that NewDay Ltd (trading as Aqua) lent to him irresponsibly when it increased his credit limit despite his difficult financial situation. As a result, he says he’s now in financial difficulties.backgroundMr H took out a credit card with Aqua in 2014 with... (2 pages)View decision -
Decision Reference DRN-4252637
3 Aug 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4252637 The complaint Mr P complains that NewDay Ltd trading as Marbles lent to him irresponsibly. What happened Mr P applied for a credit card with Marbles in March 2021. Marbles gave him a credit card with a credit limit of £450. The credit limit was increased to £1200 in July 2021, ... (2 pages)View decision -
Decision Reference DRN-5620984
25 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5620984 The complaint Mr H complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr H 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 H hims... (2 pages)View decision -
Decision Reference DRN3996557
9 Nov 2015 NewDay Ltd Not upheldBanking and creditMrs O complains that NewDay Limited (“NDL”) has wrongly charged her for an item, which had already been paid for by cash.backgroundMrs O opened a store card account with NDL in early June 2015 whilst in a store, (“S”), in order to obtain a discount for an item. Mr... (2 pages)View decision -
Decision Reference DRN-5190678
16 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5190678 Complaint Miss L has complained about a credit card and subsequent limit increases which NewDay Ltd (trading as “Aqua”) provided to her. She says the credit card was unaffordable and shouldn’t have been provided. Background Aqua provided Miss L with a credit card which had ... (4 pages)View decision -
Decision Reference DRN-2318689
5 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2318689 The complaint Mr G complains NewDay Ltd (trading as Aqua) shouldn’t have increased the credit limit on his credit card account when it did. What happened Mr G opened a credit card account with Aqua in October 2015. The original credit limit was £900. This was agreed based on th... (4 pages)View decision -
Decision Reference DRN2961843
28 May 2014 NewDay Ltd Not upheldBanking and creditMr L complains that NewDay Limited, trading as Opus, has not provided the detailed calculations of the amounts that he has been charged that he has requested and that it has removed the special monthly rate of interest that applied to a cheque payment. backgroundMr L has a credit card... (2 pages)View decision -
Decision Reference DRN7410460
10 Aug 2015 NewDay Ltd Not upheldBanking and creditMr C complains that NewDay Ltd (trading as Aqua) shouldn’t have charged him late payment fees and interest on his credit card. Also he hasn’t had a gift voucher he thinks he should’ve had. He’d like the gift voucher, and the fees and interest refunded.our initial conclusionsOur ... (2 pages)View decision -
Decision Reference DRN-6152140
17 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6152140 The complaint Mr G complains that NewDay Ltd trading as Fluid Credit Card lent irresponsibly when it approved his credit card application. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: Mr G applied ... (3 pages)View decision -
Decision Reference DRN-5848189
30 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5848189 The complaint Mr P complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decisio... (4 pages)View decision