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-5252229
24 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5252229 The complaint Mr G complains that NewDay lent irresponsibly when it approved three different credit card applications he made and increased the credit limits. What happened Mr G applied for a Debenhams credit card with NewDay in February 2019. In his application, Mr G said ... (4 pages)View decision -
Decision Reference DRN-3300026
24 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3300026 The complaint Ms S has complained that NewDay Ltd irresponsibly lent to her. What happened Ms S opened an Aqua credit card account with NewDay in December 2020. Her credit limit was set at £900. Ms S, through her representative, says that NewDay shouldn’t have allowed her to op... (2 pages)View decision -
Decision Reference DRN-1708858
9 Jul 2020 NewDay Ltd UpheldBanking and PaymentsDRN-1708858 The complaintMr K has complained NewDay Ltd lent irresponsibility each time it increased his credit limit on his Aqua card. What happenedMr K opened an Aqua credit card account with NewDay in December 2011 with a credit limit of £500. Since the account opened, there have been ... (4 pages)View decision -
Decision Reference DRN-3705219
22 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3705219 The complaint Ms P complains that NewDay Ltd irresponsibly provided her with two credit card accounts and subsequently increased the credit limits for both over time. She says had it completed reasonable and proportionate checks it would have identified both the issuing of the ... (8 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 DRN1409848
22 Jun 2017 NewDay Ltd Not upheldBanking and creditMiss M complains about irresponsible lending by NewDay Ltd. She feels it should have refused her application for a credit card. And not raised the limit on the card without her asking. She wants charges and interest repaid.backgroundMiss M tells us that she first obt... (2 pages)View decision -
Decision Reference DRN-3515358
26 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3515358 The complaint Mr M complains that NewDay Ltd, trading as Aqua, lent to him irresponsibly. What happened In January 2018 Mr M opened a credit card account with NewDay. He had an initial account limit of £1,200 which was increased to £2,400 in September 2018. Further increases in... (3 pages)View decision -
Decision Reference DRN-5157429
24 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5157429 The complaint Mr M complains that NewDay Ltd trading as Aqua, increased his credit limits on the credit card it had approved for him without carrying out the right checks. Mr M says that if it had done the correct checks, it would have seen that he was a heavy gambler and he... (5 pages)View decision -
Decision Reference DRN-4569546
4 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4569546 The complaint Miss N complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss N was provided with three credit cards by NewDay. An Opus credit card in April 2018 with an initial credit limit of £600 which was then increased on three occasions result... (3 pages)View decision -
Decision Reference DRN-4076598
18 Apr 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4076598 The complaint Mr A complains NewDay Ltd trading as Fluid (NewDay) acted irresponsibly when it approved a credit card account for him. What happened Mr A says he applied for a credit card with NewDay in August 2020, and he was provided with a credit card limit of £1,200. Mr A sa... (2 pages)View decision
