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 1102 results
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Decision Reference DRN-2961166
4 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2961166 The complaint Mr H complained that NewDay Ltd trading as Marbles lent him money that he couldn’t afford to repay. He wanted NewDay to refund all his payments, with 8% interest, and clear his credit file. What happened Mr H complained to NewDay that the lending it made to him wa... (2 pages)View decision -
Decision Reference DRN4834022
1 Nov 2017 NewDay Ltd UpheldBanking and creditMr C complains that NewDay Ltd was irresponsible when it raised the credit limit on his credit card account.backgroundMr C said that NewDay raised the credit limit on his card three times. He said that it should’ve been obvious from how he was managing the card at tho... (2 pages)View decision -
Decision Reference DRN-5117397
15 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5117397 The complaint Mr H complains that NewDay Ltd trading as Fluid Credit Card (NewDay) didn’t check his financial circumstances before they agreed to lend to him. What happened In August 2021 Mr H applied for a credit card with NewDay. They agreed his application and provided h... (2 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-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 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-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 DRN7826260
10 Jan 2019 NewDay Ltd Not upheldBanking and creditMr K complains that NewDay Ltd was irresponsible in letting him have a credit card. backgroundMr K applied for a credit card in October 2013 and it was granted with a £250 limit. His application form showed he was employed earning £21,800 and he had other income of ... (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 -
Decision Reference DRN-3974335
20 Feb 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3974335 The complaint Mrs F complains that NewDay Ltd shouldn't have accepted her credit card applications and increased the credit limit on her credit card accounts as the lending was both unaffordable and irresponsible. What happened Mrs F is represented in this complaint. Howev... (5 pages)View decision