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-2915539
8 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2915539 The complaint Mr H complains that NewDay Ltd trading as Opus lent irresponsibly when it approved his credit card and later increased the credit limit. Mr H also says Opus failed to help while he was experiencing financial difficulties. What happened The background to this compl... (3 pages)View decision -
Decision Reference DRN1475226
30 Mar 2019 NewDay Ltd Not upheldBanking and creditMrs K complains that NewDay Ltd (trading as Aqua) lent irresponsibly when it approved her credit card application and went on to increase her credit limit. backgroundMrs K applied for an Aqua credit card which was approved in November 2011 and had a £400 credit limit. ... (3 pages)View decision -
Decision Reference DRN-4516319
20 Dec 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4516319 Complaint Mr C has complained about a credit card and subsequent credit limit increases NewDay Ltd (trading as “Aqua”) provided to him. He says the limit on his credit card was automatically raised multiple times without request at times when his life was difficult. Background ... (10 pages)View decision -
Decision Reference DRN-5395753
4 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5395753 The complaint Miss W complains that NewDay Ltd trading as Fluid Mastercard irresponsibly lent to her. What happened Miss W was approved for a Fluid credit card in June 2022 with a credit limit of £2,000. The credit limit was increased to £2,700 in October 2022. Miss W says t... (3 pages)View decision -
Decision Reference DRN-5794146
3 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5794146 The complaint Ms S complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Ms 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 Ms S herself. What... (5 pages)View decision -
Decision Reference DRN-5642772
1 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5642772 The complaint Mr M complains that NewDay Ltd trading as Fluid have 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 ... (3 pages)View decision -
Decision Reference DRN-5754240
18 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5754240 The complaint Mr M complains that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr M was approved for an Aqua credit card in November 2023, with a £1,200 credit limit. The credit limit was increased a further four times, in April 2024 (£2,200), August 2... (3 pages)View decision -
Decision Reference DRN-5892277
20 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5892277 The complaint Mr N complains that NewDay trading as Aqua have irresponsibly lent to him. What happened Mr N was approved for an Aqua credit card in November 2013 with a £250 credit limit. I have detailed the credit limit changes below: February 2017 £250 to £550 December 201... (6 pages)View decision -
Decision Reference DRN-5273803
11 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5273803 The complaint Mr J complains that NewDay Ltd trading as Marbles irresponsibly lent to him. Mr 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 Mr J h... (3 pages)View decision -
Decision Reference DRN-5079981
21 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5079981 The complaint Mr H complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr H 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 H himself. What ... (4 pages)View decision