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-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 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 DRN-5106109
25 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5106109 The complaint Miss M complains that NewDay Ltd trading as Aqua (“Aqua”) irresponsibly provided her with a credit card and limit increases. In bringing her complaint, Miss M is represented by a business that I will refer to as T. What happened In December 2020, Miss M applie... (3 pages)View decision -
Decision Reference DRN-5188004
18 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5188004 The complaint Miss C 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 C applied for a credit card with Aqua in May 2020. In her application, Miss C said she was... (3 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 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-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-4914885
22 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4914885 The complaint Miss J complains that NewDay Ltd trading as Aquacard irresponsibly lent to her. Miss J is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss J her... (5 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-2800437
12 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2800437 The complaint Mr N complains that NewDay Ltd trading as Marbles Card (“NewDay”) lent to him when it shouldn’t have. What happened Mr N took out a branded credit card in January 2017 with a limit of £900. There were then four credit increases to the credit limit between June 201... (3 pages)View decision