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-2695487
14 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2695487 The complaint Mr W complains that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly. What happened Mr W applied for a credit card from Aqua. This was approved on 1 May 2016 with a limit of £600. The limit was unchanged. In September 2018, Aqua sent Mr W a Notice of De... (2 pages)View decision -
Decision Reference DRN-2908019
8 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2908019 The complaint Mr W complains that NewDay Ltd trading as Aqua has irresponsibly lent to him. What happened Mr W applied for a credit card with Aqua in March 2018 and was accepted with a £900 credit limit. Mr W complained to Aqua and said he was in a desperate situation at the ti... (4 pages)View decision -
Decision Reference DRN-3288470
22 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3288470 The complaint Mr G complains that NewDay Ltd (trading as Marbles) lent to him irresponsibly. What happened On 6 March 2017, Mr G applied for a Marbles credit card and was given a limit of £600. He used the card regularly but in November 2018 stopped making payments and fell int... (3 pages)View decision -
Decision Reference DRN-5073371
25 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5073371 The complaint Mrs H complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Mrs H was approved for an Aqua credit card in May 2022 with an initial credit limit of £450. The credit limit was increased to £1,300 in November 2022. Mrs H says Aqua irre... (3 pages)View decision -
Decision Reference DRN-5308942
3 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5308942 The complaint Mr B complains NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr B was approved for an Aqua credit card in April 2022 with a £1,200 credit limit. The credit limit was increased to £1,700 in April 2023. Mr B says that the credit limit increa... (3 pages)View decision -
Decision Reference DRN-3555455
21 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3555455 The complaint Mr T, who is represented by a third party, complains that NewDay, trading as Aqua (“Aqua”), irresponsibly granted him a credit card account he couldn’t afford to repay. What happened Mr T entered into an agreement with Aqua to have access to credit by way of a cre... (2 pages)View decision -
Decision Reference DRN-5294333
21 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5294333 The complaint Mr M complains that NewDay Ltd trading as Fluid have irresponsibly lent to him. What happened Mr M was approved for a Fluid credit card, in May 2021 with a £1,500 credit limit. The credit limit was increased to £2,850 in February 2023. Mr M says that Fluid irre... (3 pages)View decision -
Decision Reference DRN-4104683
9 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4104683 The complaint Mrs C complains that NewDay Ltd trading as Aqua (Aqua) lent to her irresponsibly. What happened Mrs C applied for a credit card from Aqua in April 2016 and it was agreed with a limit of £300. There were subsequent increases in the limit as shown: Date Limit April... (4 pages)View decision -
Decision Reference DRN-5467856
30 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5467856 The complaint Mrs P complains that NewDay Ltd trading as Fluid irresponsibly lent to her. What happened Mrs P was approved for a Fluid credit card in August 2021 with a credit limit of £1,500. The credit limit was increased to £2,750 in December 2021. The credit limit was in... (4 pages)View decision -
Decision Reference DRN-3176455
2 Dec 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3176455 The complaint Mr J complains that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly. What happened Mr J applied for an Aqua credit card in March 2014 and it was agreed with a limit of £250. Limit increases were offered by Aqua and put in place as follows: Date Limit M... (4 pages)View decision