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
-
Decision Reference DRN-4527975
18 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4527975 The complaint Mr S complains that NewDay Ltd was irresponsible in its lending to him. What happened Mr S first raised his complaint in 2019 and says that he didn’t receive a response from NewDay at that time and when he raised this again NewDay said it wouldn’t reopen his compl... (3 pages)View decision -
Decision Reference DRN-5272697
19 Mar 2025 NewDay Ltd Not upheldConsumer CreditDRN-5272697 The complaint Ms N complains that NewDay Ltd irresponsibly gave her a loan she couldn’t afford to repay. What happened In April 2019, Ms N was granted a £5,000 loan with NewDay. She was required to pay 18 monthly repayments of £326.64. Ms N also held a NewDay credit card whi... (4 pages)View decision -
Decision Reference DRN-5051912
10 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5051912 The complaint Mr F complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr F applied for a credit card with NewDay in February 2015, NewDay approved the application and gave Mr F a credit card with an initial credit limit of £250. The credit lim... (3 pages)View decision -
Decision Reference DRN-4430612
18 Dec 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4430612 The complaint Mrs H complains that NewDay Ltd trading as Aquacard was irresponsible in its lending to her. What happened NewDay provided Mrs H with a credit card. She says that between 2017 and 2019 she was struggling financially which would have been seen from her defaults. Sh... (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-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 DRN0819707
19 Feb 2020 NewDay Ltd UpheldBanking and creditMs P complains about an Aqua branded credit card provided to her by NewDay Ltd. She thinks it was irresponsible of NewDay to increase her credit limit on three occasions from £250 to £1,650 over 16 months.backgroundA timeline of NewDay’s lending decisions is below: June 2013 – Ms P applie... (5 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 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
