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 1020 results
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Decision Reference DRN-3209520
28 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3209520 The complaint Ms J complains that NewDay Ltd trading as Fluid Mastercard (“NewDay”) was irresponsible in raising the credit limit on her account. What happened In April 2019, Ms J opened a credit card account with NewDay. The credit limit was £900. In August 2019, NewDay increa... (3 pages)View decision -
Decision Reference DRN2210471
10 Sep 2019 NewDay Ltd UpheldBanking and creditComplaintMr S’s complaint is about NewDay Ltd – trading as Aqua (NewDay). He says it was irresponsible in allowing him to have the credit limit increases on his credit card. BackgroundMr S took out his NewDay card in May 2014. At that time he was given had a £100 credit limit. The followin... (6 pages)View decision -
Decision Reference DRN-3415264
13 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3415264 The complaint Miss S, who is represented by a claims management company (CMC), complains that NewDay Ltd trading as Argos Classic Credit Card were irresponsible in agreeing to a credit card account and later increasing her limit. What happened The details of this complaint are ... (2 pages)View decision -
Decision Reference DRN6626950
30 Mar 2019 NewDay Ltd Not upheldBanking and creditMiss D complains about a NewDay Ltd credit card which she says was mis-sold to her.backgroundIn August 2018 Miss D went to a third party store where she was sold a NewDay credit card. She makes two complaints about this card. Firstly, she says it was mis-sold bec... (2 pages)View decision -
Decision Reference DRN-5513650
4 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5513650 The complaint Mr H complains that NewDay Ltd irresponsibly lent to him. What happened Mr H was approved for an NewDay credit card (which I will refer to as A in this decision), in January 2020 with a credit limit of £450. I have detailed the credit limit changes below: June ... (6 pages)View decision -
Decision Reference DRN7524261
12 Jul 2017 NewDay Ltd Not upheldBanking and creditMr H complains that NewDay Ltd was irresponsible when it gave him a credit card. He’s been paying the balance back through a debt management company and thinks it should’ve been paid by now.backgroundMr H took out an Aqua credit card with NewDay in 2009. He thought it... (2 pages)View decision -
Decision Reference DRN-2315325
26 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2315325 The complaint Mr T says that NewDay Ltd trading as Aqua (Aqua) lent to him irresponsibly when it increased his credit limits four times over a 14 month period. Mr T wants a refund of all interest paid and any late payment charges. What happened Aqua opened Mr T’s account in Dec... (5 pages)View decision -
Decision Reference DRN-3320110
18 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3320110 The complaint Mr M complains about irresponsible credit card lending made to him by NewDay Ltd trading as Aqua. He says he couldn’t afford either the initial lending to him of £300 in July 2017, or the increase to £500 later in that year, and NewDay should have realised that. W... (3 pages)View decision -
Decision Reference DRN-4725783
22 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4725783 The complaint Mr W complains NewDay Ltd trading as John Lewis Partnership Card instantly turned him down for a credit card. He thinks NewDay are data harvesting. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copie... (4 pages)View decision -
Decision Reference DRN-5399719
4 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5399719 The complaint Mrs P complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs P applied for a Marbles credit card with NewDay in March 2017. In her application, Mrs P ... (3 pages)View decision
