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-5188094
18 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5188094 The complaint Mrs W complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved two credit card applications she made and increased the credit limit on one of the accounts. What happened Mrs W applied for a credit card with Aqua in May 2014. In her applica... (3 pages)View decision -
Decision Reference DRN8524909
31 Mar 2021 NewDay Ltd Not upheldBanking and creditMrs B complains that NewDay Ltd didn’t carry out proper affordability checks for three credit card accounts provided to her between 2013 and 2015. background Mrs B was given a credit card in November 2013 with a credit limit of £1,000. NewDay then gave Mrs B further credit cards with limit... (4 pages)View decision -
Decision Reference DRN-4897769
2 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4897769 The complaint Ms H complains that NewDay Ltd lent to her by approving three cards for her and then increasing the credit limited on the cards over sustained periods of time. What happened Ms H was approved for three cards with NewDay and each had different credit limit incre... (8 pages)View decision -
Decision Reference DRN-3809817
28 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3809817 The complaint Mrs S complains that NewDay Ltd trading as Aqua, irresponsibly increased the credit limit for a credit card she held with it and that she subsequently found the repayments unaffordable. What happened In August 2006, Mrs S opened a credit card account with NewDay w... (5 pages)View decision -
Decision Reference DRN-5551845
12 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5551845 The complaint In summary, Mr M complains that NewDay Ltd, irresponsibly provided him with two credit cards he says he couldn’t afford. He also says it shouldn’t have allowed him to make payments to certain merchants, because they were gambling transactions. He asks for compe... (7 pages)View decision -
Decision Reference DRN-3593868
16 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3593868 The complaint Miss P complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her a credit card that she couldn’t afford to repay. What happened Miss P entered into an agreement with NewDay to have access to credit with an Aqua credit card account. The accou... (3 pages)View decision -
Decision Reference DRN-3898775
13 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3898775 The complaint Mr H complains that NewDay Ltd trading as Aqua (“NewDay”) was irresponsible when it increased his credit limit and didn’t treat him fairly when he complained about some of the transactions on his account. What happened NewDay opened a credit card account for Mr H ... (7 pages)View decision -
Decision Reference DRN-3890626
10 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3890626 The complaint Mrs B complains that NewDay Ltd trading as Fluid was irresponsible in its lending to her. Mrs B is represented by a family member but for ease of reference I have referred to Mrs B throughout this decision. What happened Mrs B was provided with a Fluid credit card... (3 pages)View decision -
Decision Reference DRN-5772855
16 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5772855 The complaint Mr R complains NewDay Ltd irresponsibly provided him with a credit card. What happened NewDay provided Mr R with a credit card under its Marbles brand in April 2024. The original limit provided was for £1,200 which was increased to £1,700 in July 2024. Mr R co... (5 pages)View decision -
Decision Reference DRN-5648274
11 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5648274 The complaint Mr A complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr A applied for a credit card with Aqua in August 2016. In his application, Mr A said he was ear... (3 pages)View decision
