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-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-3587403
28 Sep 2022 NewDay Ltd UpheldConsumer CreditDRN-3587403 The complaint Miss K says NewDay Ltd irresponsibly lent to her. She has requested that not only should the interest and late payment charges she paid on the accounts be refunded but she also thinks the debt should be written off. What happened This complaint is about two accoun... (3 pages)View decision -
Decision Reference DRN-4212609
14 Jul 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4212609 The complaint Mrs Z complained that NewDay Ltd lent to her irresponsibly. What happened In February 2021 Mrs Z applied for a Fluid credit card account. NewDay approved the application and gave Mrs Z a card with an initial credit limit of £600. The credit limit was increased to ... (3 pages)View decision -
Decision Reference DRN-5490107
12 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5490107 The complaint Mrs B complains that NewDay Ltd trading as Marbles and Pulse lent irresponsibly when it approved her credit card applications and increased the credit limit. What happened Mrs B applied for a Marbles credit card with NewDay in May 2017. In her application, Mrs... (3 pages)View decision -
Decision Reference DRN-3594533
14 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3594533 The complaint Mr C says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr C applied for a credit card in April 2014. It was approved with a limit of £250 and he was given six subsequent credit limit increases by NewDay. A summary follows. Mr C says NewDay... (3 pages)View decision -
Decision Reference DRN-4160740
7 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4160740 The complaint Miss P says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Miss P applied for a credit card in January 2020. It was approved with a limit of £300 and she was given four subsequent credit limit increases by NewDay. The first increase was in O... (3 pages)View decision -
Decision Reference DRN-2822751
15 Jun 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2822751 The complaint Mr M complains that NewDay Ltd irresponsibly allowed him to open two credit card accounts which were unaffordable. What happened Mr M says he opened the two NewDay credit card accounts in 2015 and says appropriate credit checks were not carried out. He says he was... (2 pages)View decision -
Decision Reference DRN-5441293
3 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5441293 The complaint Mr W complains that NewDay Ltd (“NewDay”) lent to him irresponsibly when it provided him with a credit card account and subsequent credit limit increases. For ease of reference, I will refer to Mr W when referring to both him and his representative. What happ... (3 pages)View decision -
Decision Reference DRN-3504864
20 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3504864 The complaint Miss H complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss H was provided with an Aqua credit card with an initial credit limit of £300 and the credit limit was gradually increased to £2,500. She says that NewDay had not been prov... (4 pages)View decision -
Decision Reference DRN-3929484
2 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3929484 The complaint Mrs C complains that NewDay Ltd trading as Aqua (“NewDay”) was irresponsible when it opened a credit card facility for her. What happened NewDay opened a credit card account for Mrs C in January 2020 in with a credit limit of £900. This type of credit was an open-... (3 pages)View decision
