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-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-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 DRN-3089861
4 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3089861 The complaint Miss M complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss M was provided with two credit cards (Aqua and Opus) by NewDay and a loan for £2,500. She says that the amount of credit provided to her in a short space of time was irres... (3 pages)View decision -
Decision Reference DRN-4780617
3 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4780617 The complaint Miss H complains that NewDay Ltd have acted irresponsibly by issuing her with a credit card and increasing her limit several times. What happened Miss H has a NewDay credit card and is struggling to make the minimum payment. Her minimum payment is less than the in... (5 pages)View decision -
Decision Reference DRN-2598736
15 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2598736 The complaint Mr M complains that NewDay Ltd (NewDay) regularly increased his credit card limit when it should’ve been apparent that he wasn’t able to afford the additional debt. What happened The history of this complaint is well known to both parties, so I’ve summarised event... (2 pages)View decision -
Decision Reference DRN-3943620
3 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3943620 The complaint Miss L complains that NewDay Ltd irresponsibly lent to her on a credit card. What happened In September 2015 Miss L applied for an ‘Aqua’ credit card account with NewDay, and initially an opening credit limit of £250 was approved. Over the next four years the limi... (3 pages)View decision -
Decision Reference DRN-3502107
27 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3502107 The complaint Mr W complains NewDay Ltd trading as Aqua have irresponsibly lent to him. What happened Mr W was accepted for a NewDay branded credit card in October 2014, with a £900 credit limit. The credit limit was later increased to; £1,900 in February 2015 £2,500 in July ... (5 pages)View decision -
Decision Reference DRN-3080646
18 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3080646 The complaint Mr B complains of irresponsible lending by NewDay Ltd trading as Aqua. He would like any further action on his debt to be stopped pending our investigation What happened The details of this complaint are well known to both parties so I won’t repeat them again here... (2 pages)View decision -
Decision Reference DRN-3657343
19 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3657343 The complaint Mrs M complains that NewDay Ltd trading as Marbles Card has irresponsibly lent to her. Mrs M is represented by her husband in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments he has made as being made by Mrs M herself. Wh... (4 pages)View decision
