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-2879741
23 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2879741 The complaint Mrs K complains that NewDay Ltd trading as Aqua irresponsibly allowed her to open a credit card account and later increased her credit limit which were both unaffordable. What happened Mrs K says she was in financial difficulties when the credit card account was o... (2 pages)View decision -
Decision Reference DRN-5163472
11 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5163472 The complaint Mrs W complains through her representative that NewDay Ltd lent to her irresponsibly when it approved a credit card for her in 2021 and then increased the credit limit three times. What happened Mrs W was approved for a Fluid account credit card in January 202... (6 pages)View decision -
Decision Reference DRN-5047343
18 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5047343 The complaint Mr B, who is represented by a professional representative (“PR”) complains that NewDay Ltd was irresponsible when it increased the limit on his credit card account. What happened Mr B took out a credit card with NewDay in September 2016 and was granted the foll... (3 pages)View decision -
Decision Reference DRN-3435877
29 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3435877 The complaint Mr N complains about NewDay Ltd, trading as Marbles recording a default against his credit card account. What happened The background to this complaint is well known to both Mr N and NewDay. I won’t repeat in detail what is already known to both parties. In my dec... (3 pages)View decision -
Decision Reference DRN-5479726
9 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5479726 The complaint Miss C complains that NewDay Ltd trading as Aqua provided her with an unaffordable credit card. Miss C’s complaint has been brought by a professional representative, but for ease I’ll refer to all submissions as though they are her own. What happened NewDay pr... (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-3600243
24 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3600243 The complaint Mr H complains that NewDay Ltd trading as Aqua gave him a credit card when it should have known he wouldn’t be able to repay what he borrowed. What happened Mr H applied for a credit card in December 2018. He told NewDay that he was employed and earning £27,000 a ... (3 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-6004598
23 Dec 2025 NewDay Ltd UpheldBanking and PaymentsDRN-6004598 The complaint Mrs S made a series of complaints about NewDay Ltd. It related to irresponsible lending of a credit card approved in 1982 plus a number of credit limit increases. The complaint was also about a PayDown Plan in 2021 and the card suspension in May 2025. What happ... (2 pages)View decision