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 1173 results
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Decision Reference DRN-4237346
18 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4237346 The complaint Mrs F complains that NewDay Ltd lent to her irresponsibly. What happened In July 2020 Mrs F applied for a Fluid credit card. NewDay approved the application and gave Mrs F a card with an initial credit limit of £900. The credit limit was increased to £1700 in Dece... (2 pages)View decision -
Decision Reference DRN-5840928
25 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5840928 The complaint Mr G complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and increased the credit limit on both accounts. What happened The background to this complaint and my initial conclusions were set out in a provisional dec... (5 pages)View decision -
Decision Reference DRN-3730397
11 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3730397 The complaint Mr C complains that NewDay Ltd lent to him irresponsibly. What happened In August 2015 Mr C opened a credit card account with NewDay, trading as Aqua. He had an account limit of £300, which was increased to £1,300 in January 2016 and then to £1,900 in May 2016. In... (3 pages)View decision -
Decision Reference DRN-5715511
30 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5715511 The complaint Mr W complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and increased the credit limit on one of the accounts. What happened Mr W applied for a Fluid credit card in January 2019. In his application, Mr W said he ... (3 pages)View decision -
Decision Reference DRN-4730674
24 Apr 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4730674 The complaint Mr D says NewDay Ltd irresponsibly lent to him. What happened Between January 2021 and March 2023 Mr D took out four credit cards from NewDay. He complained to the lender in December 2023. It upheld his complaint about the last two cards (cards 3 and 4) that it ga... (3 pages)View decision -
Decision Reference DRN-3330637
29 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3330637 The complaint Mrs C says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs C applied for a credit card in September 2018. It was approved with a limit of £450 and she was given five subsequent credit limit increases by NewDay – in January 2019 to £1,700,... (3 pages)View decision -
Decision Reference DRN-6248084
25 Mar 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6248084 The complaint Mr K complains that NewDay Limited provided him with two credit card accounts, and credit limit increases, irresponsibly. What happened Mr K applied to NewDay for a credit card account in July 2024 and an account with a credit limit of £450 was provided to him.... (3 pages)View decision -
Decision Reference DRN-5217407
20 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5217407 The complaint Miss G, represented by a third party, complains that NewDay Ltd was irresponsible in its lending to her. What happened In February 2022 NewDay provided Miss G with a credit card with an initial limit of £1,200. The limit was increased to £1,500 in December 202... (3 pages)View decision -
Decision Reference DRN-5047877
23 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5047877 The complaint Mr T complains, through his representative, that NewDay Limited lent to him by approving a card he could not afford to pay off. Mr T says it lent irresponsibly when it increased his credit limits. He wants all interest, fees, and charges plus 8% interest refund... (4 pages)View decision -
Decision Reference DRN3532260
21 Mar 2018 NewDay Ltd Not upheldBanking and creditMr N complains that NewDay Ltd lent him money through his credit card account that he couldn’t afford to pay back.backgroundMr N said that he opened a card account with NewDay, but he already had a considerable amount of debt when he applied. Then NewDay increased hi... (2 pages)View decision