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-3586109
12 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3586109 The complaint Mr C complains that NewDay Ltd trading as Aquacard (“NewDay”) acted irresponsibly when they agreed to provide him with a credit card account and later increased his account limit to an unaffordable level. What happened Around October 2015, Mr C applied to NewDay f... (3 pages)View decision -
Decision Reference DRN-4186088
21 Sep 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4186088 The complaint Mr K complains that NewDay Ltd lent to him irresponsibly. What happened Mr K applied for a credit card with NewDay in November 2018. He opened the account with a £450 credit limit. Over the course of the agreement the credit limit was increased four times until th... (3 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-5717885
28 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5717885 The complaint Miss W complains NewDay Ltd trading as AO Finance failed to carry out sufficient checks before giving her a credit card. What happened Miss W complains NewDay lent to her irresponsibly when they gave her a credit card in April 2022, with a £700 credit limit. ... (3 pages)View decision -
Decision Reference DRN-4133176
25 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4133176 The complaint Miss B complains that NewDay Ltd lent to her irresponsibly. What happened Miss B’s complaint is about two credit cards with NewDay. In July 2019 Miss B applied for a Fluid card. NewDay approved the application and gave Miss B a card with an initial credit limit of... (3 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 DRN5638729
21 Mar 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd acted irresponsibly when they approved his application for a second credit card account. To put things right he wants them to refund him the interest and charges that were applied to the account when he later missed some payments.backgroun... (2 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-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-6173859
23 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6173859 The complaint Mr B complains that NewDay (trading both as Aqua and Fluid) lent to him irresponsibly and that the credit provided was unaffordable. Mr B further complains that NewDay closed both of his accounts unnecessarily; did not give him a repayment plan for the closed a... (5 pages)View decision