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-5188094
18 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5188094 The complaint Mrs W complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved two credit card applications she made and increased the credit limit on one of the accounts. What happened Mrs W applied for a credit card with Aqua in May 2014. In her applica... (3 pages)View decision -
Decision Reference DRN-4044790
12 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4044790 The complaint Mr B, who is represented by a third party, complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him a credit card account he couldn’t afford to repay. What happened Mr B entered into an agreement with NewDay to have access to credit by way ... (3 pages)View decision -
Decision Reference DRN-3809817
28 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3809817 The complaint Mrs S complains that NewDay Ltd trading as Aqua, irresponsibly increased the credit limit for a credit card she held with it and that she subsequently found the repayments unaffordable. What happened In August 2006, Mrs S opened a credit card account with NewDay w... (5 pages)View decision -
Decision Reference DRN-4032621
5 Apr 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4032621 The complaint Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr S applied for a credit card with Aqua in March 2019. Aqua approved the application and gave Mr S a credit card with an initial credit limit of £900. Mr S says that Aqua lent... (2 pages)View decision -
Decision Reference DRN-3890626
10 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3890626 The complaint Mrs B complains that NewDay Ltd trading as Fluid was irresponsible in its lending to her. Mrs B is represented by a family member but for ease of reference I have referred to Mrs B throughout this decision. What happened Mrs B was provided with a Fluid credit card... (3 pages)View decision -
Decision Reference DRN-3930629
27 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3930629 The complaint Mr C complains that NewDay Ltd irresponsibly gave him a credit card account that he couldn’t afford. What happened On 23 November 2015, Mr C applied for a credit account with NewDay Ltd. The credit was approved with an initial credit limit of £450. There were thre... (2 pages)View decision -
Decision Reference DRN-3593868
16 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3593868 The complaint Miss P complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her a credit card that she couldn’t afford to repay. What happened Miss P entered into an agreement with NewDay to have access to credit with an Aqua credit card account. The accou... (3 pages)View decision -
Decision Reference DRN-3898775
13 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3898775 The complaint Mr H complains that NewDay Ltd trading as Aqua (“NewDay”) was irresponsible when it increased his credit limit and didn’t treat him fairly when he complained about some of the transactions on his account. What happened NewDay opened a credit card account for Mr H ... (7 pages)View decision -
Decision Reference DRN6497810
2 Nov 2017 NewDay Ltd Not upheldBanking and creditMr M complained that NewDay Ltd had put up the limit and the interest rate on his credit card, when it should’ve known he couldn’t afford it.backgroundMr M said that NewDay repeatedly raised the credit limit on his account, although he wasn’t managing the account ... (2 pages)View decision -
Decision Reference DRN-3801438
14 Dec 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3801438 The complaint Mr B says NewDay Ltd irresponsibly lent to him. What happened This complaint is about two credit cards provided by NewDay Ltd to Mr B. It seems the Aqua account opened in January 2013 with a credit limit of £250. This account had a number of credit increases over ... (4 pages)View decision
