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 1102 results
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Decision Reference DRN-3425867
13 May 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3425867 The complaint Mr E complains that NewDay Ltd (‘NewDay’) irresponsibly gave him 2 credit card account facilities that he couldn’t afford. What happened On 8 November 2017, Mr E applied for and was given a credit card account with NewDay with a credit limit of £900 under the trad... (2 pages)View decision -
Decision Reference DRN-3571410
27 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3571410 The complaint Miss M complains that NewDay Ltd trading as Aqua (‘NewDay’) irresponsibly gave her a credit card account that she couldn’t afford. What happened In November 2017, Miss M applied for a credit card account with NewDay. She was given an initial credit limit of £300. ... (2 pages)View decision -
Decision Reference DRN-3473210
21 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3473210 The complaint Mr S complains that NewDay Ltd (‘NewDay’) irresponsibly gave him a credit card account facility that he couldn’t afford. What happened On 24 December 2020, Mr S applied for and was given a credit card account with NewDay with a credit limit of £600 under the tradi... (2 pages)View decision -
Decision Reference DRN-6070589
14 Jan 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6070589 The complaint Mrs G complains that NewDay Ltd (‘NewDay’) irresponsibly gave her Fluid and Aqua credit card accounts which she couldn’t afford to repay As the complaint about the Aqua account has been made too late, I will only be considering the merits of the Fluid card com... (2 pages)View decision -
Decision Reference DRN-3825857
29 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3825857 The complaint Mrs R complains that NewDay Ltd (‘NewDay’) irresponsibly gave her a credit card account and credit limit increases that she couldn’t afford. What happened In January 2020, Mrs R applied for a credit card account with NewDay. She was given an initial credit limit o... (2 pages)View decision -
Decision Reference DRN-3794423
3 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3794423 The complaint Miss J complains that NewDay Ltd (“NewDay”), irresponsibly granted her an Aqua credit card account she says she couldn’t afford to repay. What happened Miss J entered into an agreement with NewDay to have access to credit with an Aqua account that was first opened... (2 pages)View decision -
Decision Reference DRN-3935472
14 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3935472 The complaint Miss W complains that NewDay Ltd trading as Marbles (‘NewDay’) irresponsibly gave her a credit card account and a credit limit increase that she couldn’t afford. What happened In October 2020, Miss W applied for a credit card account with NewDay. She was given an ... (2 pages)View decision -
Decision Reference DRN-3639952
5 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3639952 The complaint Mr M says NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr M’s complaint is about a credit card account provided by NewDay. The account was opened in September 2015. Mr M was given an initial credit limit of £900. This was increased to £1900 ... (3 pages)View decision -
Decision Reference DRN-3763049
30 Nov 2022 NewDay Ltd Not upheldConsumer CreditDRN-3763049 The complaint Mr G complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two credit card account facilities that he couldn’t afford. What happened In January 2018, Mr G applied for and was given a credit card account with NewDay with an initial credit limit of £600, under... (2 pages)View decision -
Decision Reference DRN-3525146
20 Jul 2022 NewDay Ltd UpheldBanking and PaymentsPage 1 of 3The complaint Ms C says NewDay Ltd (‘NewDay’) irresponsibly lent to her. What happened This complaint is about a credit card account NewDay provided. The account was opened in November 2015. Ms C was given an initial credit limit of £450. This limit was increased three times unt... (3 pages)View decision
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