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 1089 results
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Decision Reference DRN-4939705
10 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4939705 The complaint Mr M complains that NewDay Ltd trading as Marbles irresponsibly lent to him. Mr M 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 M h... (3 pages)View decision -
Decision Reference DRN-5506872
8 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5506872 The complaint Miss J complains that NewDay Ltd trading as AO Finance irresponsibly lent to her. Miss J 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... (2 pages)View decision -
Decision Reference DRN-5518052
1 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5518052 The complaint Miss L complains NewDay Ltd trading as Aqua irresponsibly lent to her. Miss L is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss L herself. What... (4 pages)View decision -
Decision Reference DRN-5794479
3 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5794479 The complaint Mrs D complains that NewDay Ltd trading as BIP have irresponsibly lent to her. Mrs D 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 Mrs... (4 pages)View decision -
Decision Reference DRN3117139
29 Jan 2020 NewDay Ltd UpheldBanking and creditMr H complains that NewDay Ltd (t/a Aqua) acted irresponsibly when it increased the credit limit on his credit card.backgroundMr H had a credit card account with Aqua. In October 2017 Aqua increased the credit limit on Mr H’s account from £600 to £1,500. It has provided a copy of a letter ... (3 pages)View decision -
Decision Reference DRN-2662041
8 Mar 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2662041 The complaint Miss M complained that NewDay Ltd trading as Aqua (Aqua) lent to her irresponsibly. What happened Miss M had an Aqua credit card since 2013. Between 2014 and 2016, Aqua increased her limit as follows: Date Old Limit New Limit 10 June 2014 £250 £400 3 December 2014... (3 pages)View decision -
Decision Reference DRN-5607579
22 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5607579 The complaint Miss S complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Miss S is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss S herself... (4 pages)View decision -
Decision Reference DRN-5229089
3 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5229089 The complaint Mr D complains NewDay Ltd trading as Aquacard irresponsibly lent to him. Mr D is represented by a solicitors firm 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 D himself. What h... (3 pages)View decision -
Decision Reference DRN-3238098
5 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3238098 The complaint Mr B complains that NewDay Ltd trading as Fluid Credit Card irresponsibly allowed him to open a credit card account which was unaffordable and later increased the credit limit. What happened Mr B says Fluid should not have allowed him to open a credit card account... (2 pages)View decision -
Decision Reference DRN-2709672
20 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2709672 The complaint Mr K complains that NewDay Ltd trading as Amazon Classic Card (Amazon) lent to him irresponsibly. What happened In April 2019, Amazon agreed to give Mr K a credit card with a limit of £500. The account went into arrears and was sold to a debt collection agency in ... (3 pages)View decision