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
-
Decision Reference DRN-3132233
29 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3132233 The complaint Mr J complains that NewDay Ltd trading as Aqua has registered a default against his account without contacting him to set up a repayment plan. What happened Mr J contacted Aqua on 11 December 2019 to inform them he was suffering financial difficulties due to a per... (4 pages)View decision -
Decision Reference DRN-2818925
14 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2818925 Complaint Mr A has complained that NewDay Ltd (trading as “Aqua”card) irresponsibly provided him with credit card limit increases, which increased his debt. He’s also said that Aqua failed to respond to his needs by sending his account statements in an alternative format when h... (11 pages)View decision -
Decision Reference DRN-5802294
11 Dec 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5802294 The complaint Miss T complains that NewDay Ltd trading as Opus irresponsibly lent to her. What happened Miss T was approved for an Opus credit card in August 2018, with a £300 credit limit. I have detailed the credit limit changes for the card below: December 2018 £300 to £5... (5 pages)View decision -
Decision Reference DRN-6139587
16 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6139587 Complaint Miss M has complained that NewDay Ltd (trading as “Aqua”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that the credit card and limit increases were unaffordable and caused her continued financial difficulty as... (5 pages)View decision -
Decision Reference DRN-5854695
2 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5854695 Complaint Mr M has complained about a credit card and credit limit increases which NewDay Ltd (trading as “Aqua”) provided to him. He says that the credit card as well as the limit increases were irresponsibly provided as the credit was unaffordable for him. Background Aqua... (6 pages)View decision -
Decision Reference DRN-5287014
27 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5287014 Complaint Mr B has complained about a credit card NewDay Ltd (trading as “Aqua”) provided to him. He says that the credit card and the subsequent limit increases were unaffordable for him and he borrowed from friends, family and other lenders to make his payments. This resul... (6 pages)View decision -
Decision Reference DRN-5814461
17 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5814461 The complaint Miss R complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and later increased the limit. What happened Miss R applied for a Fluid credit card in January 2020. In her application, Miss R said she was emplo... (5 pages)View decision -
Decision Reference DRN-6060058
18 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6060058 The complaint Mr J complains that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr J was approved for an Aqua credit card in August 2020, with a £300 credit limit. The credit limit was increased a further five times; in December 2020 (to £1,300), April ... (6 pages)View decision
Previous
257 of 257