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-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-5934162
5 Dec 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5934162 The complaint Miss Z has complained that NewDay Ltd, trading as Aqua, were irresponsible in opening a Credit Card account and subsequently increasing the credit limit. What happened Aqua provided Miss Z with a credit card in March 2021 with a limit of £900. This limit was in... (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-5431156
29 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5431156 The complaint Miss M 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 M applied for a credit card with Aqua in December 2015. In her application, Miss M said sh... (3 pages)View decision -
Decision Reference DRN2743622
22 Jun 2020 NewDay Ltd UpheldBanking and creditMr N complains that NewDay Ltd, trading as Aqua continued to increase his credit limit when he couldn’t afford it. backgroundIn February 2013 Mr N took out a credit card with NewDay. Initially he was given a credit limit of £250. Between July 2013 and December 2014, NewDay increased Mr N’s... (6 pages)View decision -
Decision Reference DRN6589916
18 Jan 2019 NewDay Ltd UpheldBanking and creditMs C says that NewDay Ltd allowed her to take out an unaffordable credit card and also increased her credit limit irresponsibly.backgroundIn June 2012 Ms C opened a credit card with NewDay. Her limit was £250. In November 2012 this limit was increased to £600. The ... (4 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 DRN4629790
12 Mar 2019 NewDay Ltd Not upheldBanking and creditMs C complains that NewDay Ltd trading as Marbles should not have given her a credit card or increased the credit limit.backgroundMs C applied for and was granted a Marbles credit card in March 2016. The opening credit limit was £600. In June 2016, Marbles wrote to... (3 pages)View decision -
Decision Reference DRN-3072468
4 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3072468 The complaint Mr C complains about lending made to him through four separate credit card accounts by NewDay Ltd. What happened Mr C said that NewDay had lent him money through four separate credit card accounts, starting in 2015. He said that none of this lending was affordabl... (7 pages)View decision -
Decision Reference DRN-2964750
4 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2964750 The complaint Ms E complains about NewDay Ltd trading as Amazon MasterCard and their decision to approve several credit card applications. She also complains about the credit limit increases applied on these accounts. What happened Ms E was provided with five different credit a... (5 pages)View decision