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 922 results
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Decision Reference DRN-5692776
23 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5692776 The complaint Mr B 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 this has caused him some financial problems over the time he has use... (4 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 -
Decision Reference DRN-4651765
8 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4651765 The complaint Mr A, who is represented by a third party, complains that NewDay Ltd (“NewDay”) irresponsibly granted him three credit card accounts that he couldn’t afford to repay. What happened Mr A entered into agreements with NewDay to have access to credit with three separa... (3 pages)View decision -
Decision Reference DRN-3644725
14 Apr 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3644725 The complaint Miss P complained that NewDay Ltd, trading as Aqua (“NewDay”), irresponsibly granted her a credit card account that she couldn’t afford to repay. What happened Miss P took out a credit card with NewDay in May 2018 (card number ending 7900). This card account was c... (3 pages)View decision -
Decision Reference DRN-4084094
16 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4084094 The complaint Mr S complains that NewDay Ltd (“NewDay”) irresponsibly granted him two credit accounts that he says he couldn’t afford to repay. What happened Mr S entered into agreements with NewDay to have access to credit with two separate credit card accounts. The first, an ... (4 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-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-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-3571623
25 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3571623 The complaint Mr P says NewDay Ltd (“NewDay”) irresponsibly lent to him. He has requested that the interest and late payment charges he paid on the account be refunded. What happened This complaint is about a credit card account provided by NewDay to Mr P. The account was opene... (4 pages)View decision -
Decision Reference DRN-5161106
20 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5161106 The complaint Ms M has complained that NewDay Ltd, trading as Aqua (“NewDay”), irresponsibly granted her a credit card account, and subsequently increased the credit limit, which she couldn’t afford to repay. What happened Ms M took out a credit card with NewDay on 13 April... (4 pages)View decision
