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 1102 results
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Decision Reference DRN-4569083
22 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4569083 The complaint Ms S complains that NewDay Ltd acted irresponsibly in lending her three credit card accounts. What happened Ms S took out three credit cards with NewDay in between September 2018 and March 2022. The limits of those accounts were varied as follows: Date Aqua credit... (7 pages)View decision -
Decision Reference DRN-3618645
12 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3618645 The complaint Miss K, who is represented by a third party, complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her a credit card that she couldn’t afford to repay. What happened Miss K entered into an agreement with NewDay to have access to credit with ... (3 pages)View decision -
Decision Reference DRN-2775240
23 Apr 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2775240 The complaint Mr S complains about NewDay Ltd (“NewDay”) for credit limit increases which were offered to him on his Aqua and Marbles cards. He believes that these increases were irresponsible as he had substantial other debt and he had high spending on gambling on his cards. H... (4 pages)View decision -
Decision Reference DRN-5534815
21 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5534815 The complaint Mr L complains that NewDay Ltd was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest and any adverse information about this account removed from his credit file. Mr L is represented by a third-party bu... (3 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-6065598
9 Jan 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6065598 The complaint Mr M complains that NewDay Ltd lent irresponsibly when it approved four credit card applications he made and later increased the limits. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: M... (6 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-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-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-6000006
9 Dec 2025 NewDay Ltd UpheldBanking and PaymentsDRN-6000006 The complaint Miss M complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: In Miss M’s application... (3 pages)View decision