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-4860977
1 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4860977 The complaint Mr S complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest and charges applied to his accounts refunded along with compensatory interest and any adverse information removed from his credit file. Mr S is represe... (4 pages)View decision -
Decision Reference DRN-5395572
4 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5395572 The complaint Mr F complains NewDay Ltd trading as Fluid Mastercard (NewDay) didn’t appropriately check his credit record or income and expenditure before approving him for credit. What happened In October 2022, Mr F took out a credit card with NewDay. The card had an additi... (5 pages)View decision -
Decision Reference DRN-5337285
11 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5337285 The complaint Miss L complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss L applied for a credit card with Aqua in August 2021. In her application, Miss L said she ... (4 pages)View decision -
Decision Reference DRN-3197956
4 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3197956 The complaint Mr L complains that NewDay Ltd was irresponsible in its lending to him. He wants the interest and charges on his credit cards refunded and the accounts removed from his credit file. What happened NewDay provided Mr L with two credit cards. He says that at the time... (4 pages)View decision -
Decision Reference DRN-3046167
15 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3046167 The complaint Miss T complains that NewDay Ltd, trading as Argos Classic Credit Card (“NewDay”), failed to carry out appropriate affordability checks before approving credit, and subsequent credit limit increases. What happened Between 2011 and 2019 Miss T applied for and was a... (5 pages)View decision -
Decision Reference DRN4107809
15 Feb 2018 NewDay Ltd UpheldBanking and creditMr W complains that it was irresponsible for NewDay Limited to give him a credit card and then to increase his credit limit.backgroundMr W opened a credit card account with NewDay in 2014. Later that year he entered into a debt management plan and NewDay sold his acco... (2 pages)View decision -
Decision Reference DRN-4818453
24 Jun 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4818453 The complaint Mr G complains that NewDay Ltd shouldn’t have lent to him because it ought reasonably to have realised that he might struggle to repay the debt. What happened NewDay approved a credit card for Mr G with a £900 credit limit in May 2017. They increased that limit on... (3 pages)View decision -
Decision Reference DRN-5740378
8 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5740378 The complaint Mr K complains, through his representative, that NewDay Ltd (“NewDay”) gave him credit cards and increased the limit of the cards without carrying out adequate affordability checks. What happened Mr K was granted two credit cards, and a summary of Mr K’s credi... (4 pages)View decision -
Decision Reference DRN6146769
13 Jun 2018 NewDay Ltd Not upheldBanking and creditMiss B has complained that NewDay Ltd (trading as Aqua) acted irresponsibly when it increased the limit on her credit card and when it allowed her to open a second card at a time when her first card was still open.backgroundMiss B has held four credit cards with Aqu... (2 pages)View decision -
Decision Reference DRN-4127073
12 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4127073 The complaint Mr C complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit on several occasions. What happened The background to this complaint and my initial conclusions were set out in my p... (4 pages)View decision
