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-3194637
30 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3194637 The complaint Ms H complains that NewDay Ltd (trading as Aqua) lent irresponsibly when it increased her credit card limit. What happened Ms H opened a credit card account with Aqua in early 2018. But within a few months the credit limit had more than doubled. And by the end of ... (3 pages)View decision -
Decision Reference DRN4324357
24 Sep 2015 NewDay Ltd Not upheldBanking and creditMr A, represented by his solicitor, Mr C, says that the limit on his credit card provided by NewDay Ltd (trading as Opus) was increased on a number of occasions. He says this happened without any assessment as to whether the new limit was affordable.backgroundMr ... (2 pages)View decision -
Decision Reference DRN-2725519
8 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2725519 The complaint Mrs S complains that NewDay Ltd repeatedly increased her credit limit on two credit cards. She says none of that lending was affordable and caused her financial difficulties. What happened Mrs S had two credit cards with NewDay, one opened in 2013 and the other in... (5 pages)View decision -
Decision Reference DRN-1863322
3 Aug 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1863322 The complaintMiss G complains that NewDay Ltd trading as Aqua irresponsibly lent to her and didn't help her when she was in financial difficulties. What happenedMiss G says Aqua's lending to her was irresponsible, and she would like all charges and interest refunded t... (2 pages)View decision -
Decision Reference DRN-5221435
8 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5221435 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and went on to increase his credit limit. What happened Mr B applied for a credit card with Aqua in February 2018. In his application Mr B said he wa... (3 pages)View decision -
Decision Reference DRN-5488389
30 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5488389 The complaint Miss B 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 B applied for an Aqua credit card in December 2021. Aqua’s confirmed Miss B gave her incom... (3 pages)View decision -
Decision Reference DRN-5413148
3 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5413148 The complaint Mr W complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved his credit card application. What happened Mr W applied for a Fluid credit card in July 2023. In his application, Mr W said he was employed with an annual income of £32,500 tha... (2 pages)View decision -
Decision Reference DRN-5364502
24 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5364502 The complaint Miss K complains that NewDay Ltd trading as Aqua irresponsibly lent her money on a credit card. What happened Miss K took out an Aqua credit card in July 2020, with an initial credit limit of £250. In July 2021, Aqua increased the credit limit to £1,250. In 202... (3 pages)View decision -
Decision Reference DRN-5508341
17 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5508341 The complaint Mr 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 Mr G applied for an Aqua credit card in November 2020. In his application, Mr G said he was emplo... (3 pages)View decision -
Decision Reference DRN-3454718
7 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3454718 The complaint Mr S has complained that NewDay Ltd trading as Marbles irresponsibly lent to him. What happened Mr S opened a credit card account with Marbles in July 2017. His credit limit was initially £450. In January 2018 his credit limit was increased to £1,200. Mr S, throu... (3 pages)View decision
