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 1173 results
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Decision Reference DRN-3666470
8 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3666470 The complaint Mrs M complains that NewDay Ltd (“NewDay”) irresponsibly granted her three credit accounts that she couldn’t afford to repay. What happened Mrs M entered into agreements with NewDay to have access to credit with three separate credit card accounts. The first, a Ma... (4 pages)View decision -
Decision Reference DRN-2847902
21 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2847902 The complaint Mr A complains New Day Ltd trading as Marbles (NewDay) lent to him irresponsibly. What happened Mr A applied for a credit card with NewDay and it agreed a relatively small credit limit. Over a short space of time NewDay increased Mr A’s credit limit to close to fi... (3 pages)View decision -
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-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-6256289
13 Apr 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6256289 The complaint Mr T complains that NewDay Ltd trading as Fluid (NewDay) irresponsibly entered into a credit card agreement with him. What happened In February 2025, Mr T applied for a credit card with NewDay. He was given a credit card account with a credit limit of £2,500. ... (3 pages)View decision -
Decision Reference DRN-4803519
17 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4803519 The complaint Mrs K has complained that NewDay Ltd, trading as Aqua (“NewDay”), irresponsibly granted her a credit card account, which she couldn’t afford to repay. What happened Mrs K took out a credit card with NewDay in July 2019, with a credit limit of £1,200. Mrs K said sh... (3 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-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-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