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-3748450
8 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3748450 The complaint Miss D complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss D applied for a credit card with Aqua in 2016. It was approved with an initial credit limit of... (3 pages)View decision -
Decision Reference DRN4476532
28 Feb 2020 NewDay Ltd Not upheldBanking and creditMr S complains NewDay Ltd (trading as Aqua and Marbles) was irresponsible when it increased the credit limit on his credit card accounts which were unaffordable.backgroundMr S said he’d recently experienced some financial distress and was unable to make full payments on the accounts. He sa... (2 pages)View decision -
Decision Reference DRN-4776409
14 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4776409 The complaint Mrs M complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit on several occasions. Mrs M also complains that after she raised the irresponsible lending complaint NewDay closed ... (3 pages)View decision -
Decision Reference DRN-6077493
30 Jan 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6077493 The complaint Mr S has complained that NewDay Ltd were irresponsible when providing two credit cards. What happened NewDay provided Mr S with two credit cards in March 2022. Initially a card under NewDay’s Pulse brand, with a credit limit of £1,150 and subsequently a card un... (3 pages)View decision -
Decision Reference DRN-4118915
25 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4118915 The complaint Ms E complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened In August 2021 Ms E applied for a Fluid credit card with NewDay. The application said Ms E was e... (2 pages)View decision -
Decision Reference DRN-2731330
7 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2731330 The complaint Miss B complains that NewDay Ltd irresponsibly lent to her. What happened In April 2017, Miss B took out an Aqua credit card with NewDay. At this time she set out she was employed, declared her income and NewDay was able to see her other outstanding debt from a c... (3 pages)View decision -
Decision Reference DRN-4023089
14 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4023089 The complaint Mrs J complains that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it offered her a credit facility and later increased her credit limit. What happened NewDay opened a credit card account for Mrs J in December 2020 with a credit limit of £900. Th... (3 pages)View decision -
Decision Reference DRN-4152810
9 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4152810 The complaint Mr M complains that NewDay Ltd trading as Marbles was irresponsible in its lending to him. He wants the default removed from his credit file and a refund of the interest charged on his account. What happened Mr M was provided with a credit card account by NewDay i... (2 pages)View decision -
Decision Reference DRN-5169556
17 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5169556 The complaint Mrs H complains that NewDay Ltd shouldn’t have given her a credit card and increased the credit limit on the card. She says it acted irresponsibly and should have done more to check she could afford the account. What happened NewDay provided Mrs H with an Aqua ... (3 pages)View decision -
Decision Reference DRN-3423722
25 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3423722 The complaint Mrs W complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved a credit card application for Mrs W in November 2017. The credit limit was set at £900 and was never incr... (2 pages)View decision