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 DRN9340911
25 Jul 2019 NewDay Ltd Not upheldBanking and creditMr G complains that NewDay Ltd (trading as Marbles) repeatedly increased his credit limit to levels he could not afford.backgroundMr G has a Marbles credit card with NewDay. NewDay raised his credit limit five times in 2016 and 2017. Mr G complains that NewDay acted irresponsibly when it d... (8 pages)View decision -
Decision Reference DRN-4512640
13 Dec 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4512640 The complaint Miss G complains that NewDay Ltd (trading as Pulse) was irresponsible to approve her credit card applications. What happened Miss G was approved for two credit cards with Pulse as follows: Card Name Date Amount Argos 6 Dec 2019 £900 Pulse 14 Jan 2020 £600 Miss G s... (3 pages)View decision -
Decision Reference DRN2682615
30 Apr 2020 NewDay Ltd UpheldBanking and creditMr C complains that it was irresponsible of NewDay Ltd trading as Aqua to issue a credit card to him with a £300 credit limit and then later to increase that limit to £800.backgroundI set out the background to Mr C’s complaint in my provisional decision. In that decision I explained why I ... (4 pages)View decision -
Decision Reference DRN-3443414
22 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3443414 The complaint Mr W is unhappy that NewDay Ltd, trading as Aqua, didn’t set up a three-month payment holiday on his account when he informed that that he was unable to make payments towards his account because of the impact of Covid-19. What happened Mr W had a NewDay administer... (4 pages)View decision -
Decision Reference DRN-4130750
23 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4130750 The complaint Mr S complains that NewDay Ltd trading as Fluid lent to him irresponsibly. What happened In July 2020 Mr S applied for a credit card with Fluid. Fluid approved the application and gave Mr S a credit card with an initial credit limit of £1200. Mr S complained that ... (2 pages)View decision -
Decision Reference DRN-5076125
21 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5076125 The complaint Mr S complains that NewDay Ltd trading as BIP lent irresponsibly when it approved his credit card application and went on to increase the credit limit. What happened Mr S applied for a credit card with BIP in January 2022. In his application, Mr S said he was ... (3 pages)View decision -
Decision Reference DRN-5176957
8 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5176957 The complaint Mrs G complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mrs G applied for an Aqua credit card in February 2022. Mrs G said she had an income of £12,000 ... (3 pages)View decision -
Decision Reference DRN-5772531
3 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5772531 The complaint Mrs M complains that NewDay Ltd trading as Fluid irresponsibly lent to her. Mrs M is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mrs M ... (3 pages)View decision -
Decision Reference DRN-2890409
12 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2890409 The complaint Mr W complains that NewDay Ltd trading as Aqua irresponsibly allowed him to open a credit card account and later increased his credit limit which was unaffordable. What happened Mr W says Aqua didn’t carry out any affordability checks on his credit card account ap... (2 pages)View decision -
Decision Reference DRN-3381949
18 Mar 2022 NewDay Ltd UpheldConsumer CreditDRN-3381949 The complaint In summary, Mr C has complained that NewDay Ltd trading as Aqua Loans, provided him with a loan when he wasn’t able to afford it. What happened In November 2017, NewDay provided Mr C a loan for £2,700 repayable over 24 months. The interest rate on the loan was an ... (5 pages)View decision
