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-4355455
15 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4355455 The complaint The estate of Mr W complains NewDay Ltd provided the late Mr W with an unaffordable credit card. What happened In June 2021 NewDay provided Mr W with a credit card with a limit of £1,200. Mr W sadly passed away in April 2022 and the executors of his estate complai... (4 pages)View decision -
Decision Reference DRN-5098265
2 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5098265 Complaint Mr A has complained about credit cards and the associated credit limit increases which NewDay Ltd (“NewDay”) provided to him. He says the credit cards as well as the limit increases were irresponsibly provided. Background NewDay provided Mr A with two credit cards... (6 pages)View decision -
Decision Reference DRN-5487135
19 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5487135 The complaint Mr H complains that NewDay Ltd trading as Aqua (“NewDay”) were irresponsible when lending him two credit cards and by increasing his credit limit. Mr H is represented by a professional third party, but for ease of reference I’ll refer to Mr H throughout. What... (3 pages)View decision -
Decision Reference DRN-5340641
24 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5340641 The complaint Ms S complains that NewDay Ltd was irresponsible in its lending to her. She wants all interest and charges she has paid refunded along with statutory interest. Ms S is represented by a third party but for ease of reference I have referred to Ms S throughout thi... (4 pages)View decision -
Decision Reference DRN-5012786
11 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5012786 The complaint Mr G, through a representative, says NewDay Ltd irresponsibly lent to him. What happened Mr G applied for a credit card from NewDay in August 2019. It was approved with a limit of £1,200. He was then given five credit limit increases until his limit reached £8,... (3 pages)View decision -
Decision Reference DRN-3853300
12 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3853300 The complaint Mrs K says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs K applied for a credit card in April 2020. It was approved with a limit of £1,200 and she was given two subsequent credit limit increases by NewDay. The first increase in August 2... (3 pages)View decision -
Decision Reference DRN-2674170
25 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2674170 The complaint Mrs C complains that NewDay Ltd (“NewDay”), trading as Fluid, were irresponsible to increase her credit card limit because she could not afford the additional credit. What happened The details of this complaint are well known to both parties, so I won’t repeat the... (3 pages)View decision -
Decision Reference DRN-4308217
6 Sep 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4308217 The complaint Mrs T, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs T applied for a credit card from NewDay in November 2019. It was approved with a limit of £250. She was then given five credit limit increases as set ou... (3 pages)View decision -
Decision Reference DRN-5213950
9 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5213950 The complaint Mr H is complaining that NewDay Limited trading as Marbles lent to him irresponsibly by providing him with, and then increasing the credit limit on, a credit card account. Mr H is represented in his complaint, but for ease I’ve written as if we’ve dealt directl... (4 pages)View decision -
Decision Reference DRN-5759838
22 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5759838 The complaint Ms K complains that NewDay Ltd trading as Aquacard lent to her irresponsibly. What happened In February 2018, Ms K applied for – and was given – a credit card with NewDay. An Initial credit limit of £450 was agreed. Since then, her limit was amended as follows:... (5 pages)View decision
