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 1021 results
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Decision Reference DRN-5640811
26 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5640811 The complaint Mr M complains NewDay Ltd trading as Fluid (NewDay) failed to carry out sufficient financial checks before it increased his credit card account limit. What happened Mr M says NewDay increased his credit card account limit in April 2019 from £900 to £2,150, at a... (3 pages)View decision -
Decision Reference DRN-5584289
15 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5584289 The complaint Miss W complains NewDay Ltd trading as Marbles (NewDay) acted irresponsibly by failing to undertake a reasonable assessment of her creditworthiness, prior to approving her for credit. Miss W is represented in this complaint by a claims management company but, f... (4 pages)View decision -
Decision Reference DRN-4127110
12 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4127110 The complaint Mr O complains that NewDay Ltd lent irresponsibly when it increased the credit limit on his Aqua and Marbles credit cards in 2021. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mr O appli... (5 pages)View decision -
Decision Reference DRN-5597833
2 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5597833 The complaint Miss M complains that NewDay Ltd trading as Fluid and Aqua lent irresponsibly when it approved credit card applications she made. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: Miss M’s... (4 pages)View decision -
Decision Reference DRN-3525846
25 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3525846 The complaint Mr N complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr N in December 2020. The credit limit was set at £900 and was increased to ... (2 pages)View decision -
Decision Reference DRN-3882776
16 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3882776 The complaint Mr D complains that NewDay Ltd trading as Marbles lent to him irresponsibly by increasing his credit limit. What happened In April 2016 Mr D opened a credit card account with NewDay with an initial credit limit of £250. In November 2016 NewDay increased the credit... (3 pages)View decision -
Decision Reference DRN-4283058
7 Aug 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4283058 The complaint Mrs C complains that NewDay Ltd was irresponsible in its lending to her. What happened Mrs C was provided with a credit card by NewDay in June 2016. The initial credit limit was £250. Mrs C requested a credit limit increase in January 2017 which was provided, incr... (4 pages)View decision -
Decision Reference DRN-2665630
9 Mar 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2665630 The complaint Ms G has complained that NewDay Ltd trading as Aqua (NewDay) provided her with a credit card when they shouldn’t have done. She believes that her financial position wasn’t strong enough to support the debt and that NewDay’s decision to lend to her was irresponsibl... (4 pages)View decision -
Decision Reference DRN-3575951
4 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3575951 The complaint Mr L has complained that NewDay Ltd have given him credit limit increases without checking whether they were affordable and have not taken into account his financial difficulties after he told them. What happened Mr L is self-employed. He held two accounts with Ne... (5 pages)View decision -
Decision Reference DRN1699124
23 Apr 2019 NewDay Ltd Not upheldBanking and creditMr P complains that NewDay Ltd kept increasing his credit card limit even though he couldn’t afford to make the repayments.backgroundMr P tells us that NewDay Ltd increased his credit limit several times. In July 2014 it increased it to £1,000 and he thought that w... (2 pages)View decision
