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-5219694
24 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5219694 The complaint Miss A complains that NewDay trading as Aqua lent irresponsibly when granting her a credit card and subsequent credit increases. What happened In August 2018 Miss A applied for a credit card with Aqua with an initial limit of £450. Her limit went on to be incr... (6 pages)View decision -
Decision Reference DRN-5496153
22 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5496153 The complaint Mr C complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr C 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 C himself. What ... (5 pages)View decision -
Decision Reference DRN-5647203
30 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5647203 The complaint Mr S complains that NewDay Ltd trading as Argos Classic Credit Card (Argos) irresponsibly lent to him. What happened Mr S was approved for an Argos credit card in April 2020, with a £450 credit limit. The credit limit was increased in August 2020 (to £1,000), i... (4 pages)View decision -
Decision Reference DRN-5620667
13 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5620667 The complaint Mr A complains that NewDay Ltd trading as Fluid have irresponsibly lent to him. What happened Mr A was approved for a Fluid credit card, in January 2020 with a £450 credit limit. I have detailed the credit limit changes below: August 2020 £450 to £1,200 Februar... (4 pages)View decision -
Decision Reference DRN-2818925
14 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2818925 Complaint Mr A has complained that NewDay Ltd (trading as “Aqua”card) irresponsibly provided him with credit card limit increases, which increased his debt. He’s also said that Aqua failed to respond to his needs by sending his account statements in an alternative format when h... (11 pages)View decision -
Decision Reference DRN-5064095
8 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5064095 The complaint Mrs T complains that NewDay Ltd trading as Aquacard have irresponsibly lent to her. Mrs T 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 b... (4 pages)View decision -
Decision Reference DRN-3114242
4 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3114242 The complaint Ms S complains that NewDay Ltd trading as Aqua irresponsibly increased the credit limit on her credit card account to unaffordable levels. What happened Ms S says Aqua repeatedly increased the credit limit on her credit account to unaffordable levels. She says she... (2 pages)View decision -
Decision Reference DRN-2838403
22 Jun 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2838403 The complaint Mr W complains that NewDay Ltd trading as Aquacard have irresponsibly lent to him when they increased his credit limit on his credit card. What happened Mr W made an application for an Aqua credit card in November 2019. Mr W told Aqua that he earned £37,600, had o... (2 pages)View decision -
Decision Reference DRN-5602368
7 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5602368 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 ... (4 pages)View decision -
Decision Reference DRN-5411244
9 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5411244 The complaint Mr R complains NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr R was approved for an Aqua credit card, in April 2021 with a £450 credit limit. I have detailed the credit limit changes below: August 2021 £450 to £1,200 January 2022 £1,200 ... (4 pages)View decision