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 1018 results
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Decision Reference DRN-5539344
12 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5539344 The complaint Miss H complains NewDay Ltd trading as Pulse (“NewDay”) irresponsibly lent her a credit card and increased the credit limit on a number of occasions without completing sufficient checks. Miss H is being represented by a professional third party, but for ease o... (3 pages)View decision -
Decision Reference DRN-3709217
20 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3709217 The complaint Ms M complains that NewDay Ltd trading as Aquacard (‘NewDay’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 4 February 2015 Ms M applied for a credit account with NewDay. She was given an initial credit limit of £100. The ... (4 pages)View decision -
Decision Reference DRN-4800427
15 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4800427 The complaint Miss W complains that NewDay Ltd trading as Fluid Credit Card (“NewDay”) irresponsibly lent to her. She says it gave her a credit card and credit limit increases that weren’t affordable. What happened Miss W’s application for credit was approved in August 2021 and... (4 pages)View decision -
Decision Reference DRN-5706510
22 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5706510 The complaint Mr C says NewDay Ltd trading as Aqua (‘NewDay’), irresponsibly lent to him. He says it didn’t take reasonable steps to ensure he could afford the repayments towards a credit card. He says that his financial situation was poor when the card was started, and New... (4 pages)View decision -
Decision Reference DRN-5616575
19 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5616575 The complaint Miss H complains NewDay Ltd trading as Fluid (“NewDay”) irresponsibly lent to her – she feels the checks weren’t proportionate and the amount of credit provided was too high. What happened In August 2022, Miss H applied for a credit card with NewDay. They prov... (3 pages)View decision -
Decision Reference DRN-3538791
13 Jun 2022 NewDay Ltd UpheldConsumer CreditDRN-3538791 The complaint Mr D complains that NewDay Ltd (‘NewDay’) irresponsibly gave him two running account credit facilities that he couldn’t afford. What happened In February 2018, Mr D applied for an Aqua Mastercard credit account with NewDay. He was given an initial credit limit of ... (4 pages)View decision -
Decision Reference DRN-5850229
16 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5850229 The complaint Mr A says NewDay Ltd trading as Marbles (‘NewDay’), irresponsibly lent to him. He says that it didn’t take reasonable steps to ensure he could afford the repayments towards a credit card. And NewDay shouldn’t have increased the limits on the card. Mr A’s compl... (4 pages)View decision -
Decision Reference DRN-3518798
8 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3518798 The complaint Miss J complains that NewDay Ltd (“NewDay”) irresponsibly granted her three credit accounts that she couldn’t afford to repay. What happened Miss J entered into agreements with NewDay to have access to credit with three separate credit card accounts. The first, an... (3 pages)View decision -
Decision Reference DRN-3819107
22 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3819107 The complaint Mr J complains that NewDay Ltd (“NewDay”) irresponsibly granted him two credit card accounts he couldn’t afford to repay. What happened In March 2017 Mr J entered into an agreement with NewDay to have access to credit by way of a Marbles credit card account. He wa... (3 pages)View decision -
Decision Reference DRN-4755887
3 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4755887 The complaint Mr T complains that NewDay Ltd (‘NewDay’) irresponsibly gave him five credit card accounts that he couldn’t afford. What happened In January 2020, Mr T applied for and was accepted for an Aqua Classic account with an initial credit limit of £450. There followed o... (3 pages)View decision
