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 922 results
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Decision Reference DRN-2691764
19 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2691764 The complaint Mrs B complains that NewDay Ltd irresponsibly allowed her to open three credit card accounts that were unaffordable. What happened Mrs B says she opened the NewDay accounts in 2017 and 2018 but it should have been obvious that she was in financial difficulties and... (2 pages)View decision -
Decision Reference DRN-5282154
17 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5282154 The complaint Ms M has complained that NewDay Ltd acted irresponsibly when it gave her three credit card accounts. Ms M is represented in the complaint but for simplicity I will refer to Ms M throughout as if all submissions have been made by her. What happened I don’t nee... (3 pages)View decision -
Decision Reference DRN-5380881
24 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5380881 The complaint Mr E complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and increased the credit limits. What happened Mr E applied for a Fluid credit card in May 2018. In his application, Mr E said he was employed and had a mon... (3 pages)View decision -
Decision Reference DRN8027793
28 Sep 2018 NewDay Ltd UpheldBanking and creditMr C complains that it was irresponsible for NewDay Ltd (NewDay) to give him a credit card and then regularly increase his limit without checking he could afford it. backgroundMr C opened a credit card account with NewDay in late 2013, and was given a credit lim... (3 pages)View decision -
Decision Reference DRN-3201155
14 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3201155 The complaint Mr G complains NewDay Ltd trading as Aqua (“NewDay”) lent to him irresponsibly. What happened Mr G applied for a credit card with NewDay in May 2012. His application was approved with a credit limit of £400. Mr G requested a credit limit increase to £750 in Octobe... (4 pages)View decision -
Decision Reference DRN-3574816
30 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3574816 The complaint Mr R complains that NewDay Ltd (“NewDay”), trading as Marbles, irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr R in April 2016. They initially provided a credit limit of £900 but the... (2 pages)View decision -
Decision Reference DRN-5253654
10 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5253654 The complaint Mrs L says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs L took out an Aqua credit card from NewDay in December 2023. She was given a £1,200 credit limit. This was increased to £2,400 in April 2024. Mrs L says the repayments are unaf... (3 pages)View decision -
Decision Reference DRN4059760
24 Jun 2019 NewDay Ltd Not upheldBanking and creditMr H complains that NewDay Ltd lent irresponsibly when it gave him a credit card account.backgroundMr H said NewDay accepted his application for a credit card. But he couldn’t afford it. He had a lot of debt and was using payday loans. His account was always at the limit and he was only pa... (2 pages)View decision -
Decision Reference DRN4442384
12 Jul 2019 NewDay Ltd UpheldBanking and creditMiss A complains that NewDay Ltd acted irresponsibly in giving her a credit card and then frequently increasing its limit.backgroundI issued my provisional decision on this case on 13 May 2019. A copy of it is attached and it forms part of my final decision. The full background to the comp... (5 pages)View decision -
Decision Reference DRN-3081877
19 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3081877 The complaint Miss K complains that NewDay Ltd irresponsibly allowed her to open a credit card account and later increased the credit limits. She says the lending was unaffordable. What happened Miss K says she opened the NewDay credit card account in 2015. She says her credit ... (3 pages)View decision
