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-4799021
15 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4799021 The complaint Mr R, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr R took out a credit card from NewDay in May 2015. He was given a credit limit of £250. This was then increased to £650 in August 2015 and to £1,250 in Apr... (3 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 -
Decision Reference DRN-4994648
4 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4994648 The complaint Mr P says NewDay Ltd irresponsibly lent to him. What happened Mr P took out two credit cards from NewDay – one in March 2019 with a £300 limit and one in April 2019 with a £250 limit. Mr P says NewDay did not ask about his expenses. This debt has caused him s... (2 pages)View decision -
Decision Reference DRN-5660246
15 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5660246 The complaint Mr T complains that NewDay Ltd lent irresponsibly when it approved two credit card applications she made and later increased the credit limits. What happened Mr T applied for an Aqua credit card in February 2022. In his application, Mr T said he was employed w... (4 pages)View decision -
Decision Reference DRN-3432778
15 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3432778 The complaint Miss P 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 Miss P in November 2019. They initially provided a credit limit of £450 bu... (2 pages)View decision -
Decision Reference DRN-5535368
9 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5535368 The complaint Miss B complains that NewDay Ltd (‘NewDay’), trading as Pulse, irresponsibly granted her a credit card account she couldn’t afford to repay. What happened Miss B entered into an agreement with NewDay to have access to credit with a Pulse credit card account. T... (3 pages)View decision -
Decision Reference DRN-3881212
31 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3881212 The complaint Mrs J complains that NewDay Ltd irresponsibly gave her a credit card account that she couldn’t afford. What happened In March 2020, Mrs J’s Argos credit card was opened by NewDay Ltd with an initial credit limit of £700. The credit limit was increased to £1,450 on... (2 pages)View decision -
Decision Reference DRN-5473178
3 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5473178 The complaint Mrs M complains that NewDay Ltd, trading as Amazon Credit Card, made an irresponsible lending decision when they issued her with a credit card. Mrs M is represented in this complaint, but I’ll refer to her as it’s her complaint. What happened In March 2020, Mr... (3 pages)View decision -
Decision Reference DRN6004895
24 Sep 2019 NewDay Ltd Not upheldBanking and creditMr C complains that NewDay Ltd was irresponsible in increasing his limit on his credit card. He feels that this has played a part in the financial difficulties he’s been experiencing.backgroundMr C took out a credit card provided by NewDay in March 2017. His credit limit was £300.NewDay wr... (2 pages)View decision -
Decision Reference DRN-5710398
30 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5710398 The complaint Mr D complains that NewDay Ltd lent irresponsibly when it approved three credit card applications he made and also increased the credit limit. What happened Mr D applied for a Fluid credit card with NewDay in September 2022. In his application, Mr D said he wa... (4 pages)View decision
