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 1102 results
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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-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 -
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-6030818
13 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6030818 The complaint Miss R complains that NewDay Ltd lent irresponsibly when it approved two credit card applications she made and increased the limit on both. What happened Miss R applied for an Aqua credit card in January 2022. In her application, Miss R said she was employed w... (5 pages)View decision -
Decision Reference DRN-2703769
6 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2703769 The complaint Miss L complains that NewDay Ltd trading as Aqua was irresponsible in offering her a credit card in 2015. She’d like it to write off the balance and to refund all the interest already paid. What happened Miss L applied for an Aqua credit card in September 2015. He... (3 pages)View decision -
Decision Reference DRN-5124716
21 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5124716 The complaint Mr M complains that NewDay Ltd trading as Debenhams lent irresponsibly when it approved his credit card application and later increased his credit limit. Mr M also complains about the interest rates applied to his credit card by NewDay. What happened Mr M appl... (4 pages)View decision -
Decision Reference DRN-5888790
16 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5888790 The complaint Mr F complains that NewDay Ltd lent irresponsibly when it approved three credit card applications he made and increased the limit on all the accounts. What happened The background to this complaint and my initial conclusions were set out in a provisional decis... (5 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-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-5141087
4 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5141087 The complaint Ms H complains that NewDay Ltd trading as Marbles was irresponsible in its lending to her. She wants all interest, fees and charges refunded along with statutory interest and any adverse information removed from her credit file. What happened Ms H was provided ... (4 pages)View decision