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 793 results
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Decision Reference DRN-5277791
7 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5277791 The complaint Mr B complains that NewDay Ltd trading as Fluid was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest. Mr B is represented by a third party but for ease of reference I have referred to Mr B throughout ... (3 pages)View decision -
Decision Reference DRN-2382680
24 Dec 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2382680 The complaint Mr H complains that NewDay Ltd, trading as Aqua, was irresponsible when it gave him his credit cards. What happened Mr H successfully applied for a credit card with NewDay in 2013 with a credit limit of £250. Later that year his credit limit increased to £1,050. I... (3 pages)View decision -
Decision Reference DRN-3102246
23 Dec 2021 NewDay Ltd UpheldConsumer CreditDRN-3102246 The complaint Mr H complains that NewDay Ltd (NewDay) closed his credit card account and charged him interest during payment holidays. What happened Mr H had a marbles loan and credit card from NewDay. The loan was for £2,400 payable over 24 months and was repaid. The credit ca... (3 pages)View decision -
Decision Reference DRN-3372455
6 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3372455 The complaint Mrs S complains that NewDay Ltd irresponsibly allowed her to open two credit card accounts and later increased the credit limit on one of them to unaffordable levels. What happened Mrs S says she was in financial difficulties when she opened the first NewDay credi... (4 pages)View decision -
Decision Reference DRN-3331952
22 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3331952 The complaint Ms R, through a representative, says NewDay Ltd irresponsibly lent to her. What happened Ms R took out a credit card from NewDay in October 2016, she was given a credit limit of £250. In October 2017 NewDay increased this to £500. Ms R says the lending was never a... (3 pages)View decision -
Decision Reference DRN-5085277
20 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5085277 The complaint Mrs D complains that NewDay Ltd trading as Aqua lent to her irresponsibly. What happened Mrs D applied for a credit card with NewDay. NewDay approved the application and gave Mrs D a credit card with an initial credit limit of £1,200. The credit limit was incre... (4 pages)View decision -
Decision Reference DRN-2196156
21 Sep 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2196156The complaintMs H has complained that NewDay Ltd lent to her irresponsibly and continued to increase her credit limit when she couldn’t afford it. What happenedIn November 2014, Ms H took out a credit card with NewDay, with a limit of £300.Over the course of the next few years, ... (4 pages)View decision -
Decision Reference DRN1131807
4 Dec 2018 NewDay Ltd Not upheldBanking and creditMr B complains that NewDay Ltd (trading as Aqua and Marbles) was irresponsible to increase his credit limit and to provide him with a new credit card at a time when he was experiencing financial difficulties.backgroundMr B had an Aqua credit card. He says that in 2016 ... (2 pages)View decision -
Decision Reference DRN-3803721
28 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3803721 The complaint Ms C says NewDay Ltd, trading as Fluid, irresponsibly lent to her. What happened Ms C opened a Fluid card in November 2019. It had a £300 credit limit. She says that was affordable for her at the time but as her circumstances changed NewDay should not have increas... (2 pages)View decision -
Decision Reference DRN-4512745
14 Dec 2023 Link Financial Outsourcing Limited UpheldConsumer CreditDRN-4512745 The complaint Mr K complains to Link Financial Outsourcing Limited (trading as Asset Link Capital (No. 7)) that the loan he had was lent irresponsibly. What happened Mr K took out a loan and a credit card with NewDay. In July 2021, Asset Link Capital bought the loan account fro... (3 pages)View decision
