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 922 results
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Decision Reference DRN-3621851
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3621851 The complaint Mr B complains that NewDay Ltd (“NewDay”) irresponsibly granted him an Aqua credit card that he couldn’t afford to repay. What happened Mr B entered into an agreement with NewDay to have access to credit with an Aqua credit card account. The account was opened in ... (3 pages)View decision -
Decision Reference DRN-5126901
24 Jan 2025 NewDay Ltd Not upheldConsumer CreditDRN-5126901 The complaint Mrs P complains that NewDay Ltd (“NewDay”) irresponsibly provided her with credit on a credit card account that she couldn’t afford to repay. What happened In November 1999 Mrs P entered into an agreement to have access to credit by way of a Debenhams branded ... (3 pages)View decision -
Decision Reference DRN-4803519
17 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4803519 The complaint Mrs K has complained that NewDay Ltd, trading as Aqua (“NewDay”), irresponsibly granted her a credit card account, which she couldn’t afford to repay. What happened Mrs K took out a credit card with NewDay in July 2019, with a credit limit of £1,200. Mrs K said sh... (3 pages)View decision -
Decision Reference DRN-5706510
22 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5706510 The complaint Mr C says NewDay Ltd trading as Aqua (‘NewDay’), irresponsibly lent to him. He says it didn’t take reasonable steps to ensure he could afford the repayments towards a credit card. He says that his financial situation was poor when the card was started, and New... (4 pages)View decision -
Decision Reference DRN-5616575
19 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5616575 The complaint Miss H complains NewDay Ltd trading as Fluid (“NewDay”) irresponsibly lent to her – she feels the checks weren’t proportionate and the amount of credit provided was too high. What happened In August 2022, Miss H applied for a credit card with NewDay. They prov... (3 pages)View decision -
Decision Reference DRN-3666470
8 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3666470 The complaint Mrs M complains that NewDay Ltd (“NewDay”) irresponsibly granted her three credit accounts that she couldn’t afford to repay. What happened Mrs M entered into agreements with NewDay to have access to credit with three separate credit card accounts. The first, a Ma... (4 pages)View decision -
Decision Reference DRN-3538791
13 Jun 2022 NewDay Ltd UpheldConsumer CreditDRN-3538791 The complaint Mr D complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two running account credit facilities that he couldn’t afford. What happened In February 2018, Mr D applied for an Aqua Mastercard credit account with NewDay. He was given an initial credit limit of ... (4 pages)View decision -
Decision Reference DRN-2847902
21 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2847902 The complaint Mr A complains New Day Ltd trading as Marbles (NewDay) lent to him irresponsibly. What happened Mr A applied for a credit card with NewDay and it agreed a relatively small credit limit. Over a short space of time NewDay increased Mr A’s credit limit to close to fi... (3 pages)View decision -
Decision Reference DRN-3518798
8 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3518798 The complaint Miss J complains that NewDay Ltd (“NewDay”) irresponsibly granted her three credit accounts that she couldn’t afford to repay. What happened Miss J entered into agreements with NewDay to have access to credit with three separate credit card accounts. The first, an... (3 pages)View decision -
Decision Reference DRN-3819107
22 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3819107 The complaint Mr J complains that NewDay Ltd (“NewDay”) irresponsibly granted him two credit card accounts he couldn’t afford to repay. What happened In March 2017 Mr J entered into an agreement with NewDay to have access to credit by way of a Marbles credit card account. He wa... (3 pages)View decision
