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 DRN8063383
4 Sep 2019 NewDay Ltd Not upheldBanking and creditComplaintMr S complains that NewDay Ltd pursued him for a debt he says he didn’t recognise and then failed to explain what it was for. BackgroundIn May 2017 an application was made in Mr S’s name for an Amazon credit card. The Amazon credit card is issued and administered by NewDay Ltd. A ... (2 pages)View decision -
Decision Reference DRN-5044560
10 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5044560 The complaint Mr J complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr J’s complaint is about a credit card supplied by NewDay. The account was opened in July 2021 with an initial credit limit of £1,200. The credit limit was increased to £24... (2 pages)View decision -
Decision Reference DRN-5746039
11 Aug 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5746039 The complaint Mr S complains that NewDay Ltd trading as Fluid (‘NewDay’) discriminated against him when refusing to increase his credit card limit and offended him on the phone. Mr S would like significant compensation to put matters right. What happened Mr S’s credit card... (4 pages)View decision -
Decision Reference DRN-5882049
23 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5882049 The complaint Mr W says NewDay Ltd trading as Marbles (‘NewDay’), irresponsibly lent to him. He says that it didn’t take reasonable steps to ensure he could afford the repayments towards a credit card. He says that if NewDay had made better checks it would have seen that he ... (3 pages)View decision -
Decision Reference DRN-3566005
1 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3566005 The complaint Miss M complains that NewDay Ltd lent irresponsibly when it approved two credit cards in her name and went on to increase the credit limit. What happened In August 2016 Miss M applied for an Aqua credit card with NewDay. Miss M said she was a tenant, single and a... (3 pages)View decision -
Decision Reference DRN-2731330
7 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2731330 The complaint Miss B complains that NewDay Ltd irresponsibly lent to her. What happened In April 2017, Miss B took out an Aqua credit card with NewDay. At this time she set out she was employed, declared her income and NewDay was able to see her other outstanding debt from a c... (3 pages)View decision -
Decision Reference DRN-2642735
2 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2642735 The complaint Mr M complains that NewDay Ltd (“NewDay”) irresponsibly lent to him across several credit cards which has caused him financial hardship and debts he cannot repay. What happened The background to this complaint is well known to both parties and has been detailed by... (2 pages)View decision -
Decision Reference DRN-3894369
12 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3894369 The complaint Mrs M complains about NewDay Ltd trading as Amazon Classic Card’s policy regarding refunds to the credit card and these being paid to a bank account upon request. What happened Mrs M says she received two refunds to her NewDay credit card on 17 and 18 May for £112... (3 pages)View decision -
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 DRN2779560
25 Jul 2016 NewDay Cards Ltd Not upheldBanking and creditMs V complains that NewDay Cards Ltd (trading as Topshop) closed her account without warning her, and is pursuing her for arrears.backgroundMs V had a Topshop account card. When she tried to use it in a shop in December 2015, she discovered that it wouldn’t work anymore.... (2 pages)View decision