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 2421 results
-
Decision Reference DRN-3169475
23 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3169475 The complaint Mr B complains that NewDay Ltd, trading as Aqua, (NewDay) irresponsibly provided him with a credit card and limit increases on that card, which increased his debt. What happened In November 2013, Mr B applied for an Aqua branded credit card with NewDay. At the ti... (5 pages)View decision -
Decision Reference DRN-5117397
15 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5117397 The complaint Mr H complains that NewDay Ltd trading as Fluid Credit Card (NewDay) didn’t check his financial circumstances before they agreed to lend to him. What happened In August 2021 Mr H applied for a credit card with NewDay. They agreed his application and provided h... (2 pages)View decision -
Decision Reference DRN-2836482
2 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2836482 The complaint Mr B complains that NewDay Ltd, trading as Aqua, lent to him irresponsibly by giving him a credit card and later increasing the limit of what he could borrow using the card. What happened Mr B took out a credit card with NewDay in May 2016. The initial credit limi... (4 pages)View decision -
Decision Reference DRN-3359926
28 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3359926 The complaint Mr L complains NewDay Ltd irresponsibly lent him two credit cards, and a loan. What happened Mr L took out the following: Aqua credit card in May 2015 with an initial limit of £100 Marbles credit card in December 2016 with an initial limit of £600 Marbles loan ... (5 pages)View decision -
Decision Reference DRN1816665
23 Apr 2019 NewDay Ltd Not upheldBanking and creditMr E complains that NewDay Ltd unfairly charged late payment fees to his credit card account and then registered a default on his credit file. As a result his mortgage application was declined.Ref: DRN1816665 2 backgroundIn October 2017 Mr E took out a NewDay credit... (4 pages)View decision -
Decision Reference DRN-2426317
26 Jan 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2426317 The complaint Miss J complains she was unfairly charged fees on her credit card account by NewDay Ltd trading as Marbles Card (“NewDay”). She’s also unhappy NewDay ignored her complaint. What happened Around September 2019 Miss J says she paid her monthly payment on her credit ... (2 pages)View decision -
Decision Reference DRN-5786879
17 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5786879 The complaint With the help of a professional representative (PR), Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. For ease, I’ll refer to the actions of the PR as being those of Mr S. What happened Mr S applied for and received a credit card with N... (4 pages)View decision -
Decision Reference DRN-4895290
22 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4895290 The complaint Mr B complains that NewDay Ltd, trading as Aqua, irresponsibly provided him with a credit card account and credit limit increases (CLIs) that he couldn’t afford. What happened In August 2021, Mr B applied for, and obtained, a NewDay credit card account. The cre... (3 pages)View decision -
Decision Reference DRN3643308
17 Mar 2021 NewDay Ltd UpheldBanking and creditMr B is unhappy with how NewDay Ltd handled the matter of someone fraudulently accessing his Aquacard credit card account. And he’s unhappy with the impact the whole matter has had on his credit file. Aquacard is a trading name of NewDay, but for the purposes of this decision I will only r... (5 pages)View decision -
Decision Reference DRN6004895
24 Sep 2019 NewDay Ltd Not upheldBanking and creditMr C complains that NewDay Ltd was irresponsible in increasing his limit on his credit card. He feels that this has played a part in the financial difficulties he’s been experiencing.backgroundMr C took out a credit card provided by NewDay in March 2017. His credit limit was £300.NewDay wr... (2 pages)View decision
