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 1021 results
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Decision Reference DRN-5722682
29 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5722682 The complaint Ms 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 Ms B applied for an Aqua credit card in April 2020. In her application, Ms B said she had an annu... (3 pages)View decision -
Decision Reference DRN-5114030
18 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5114030 Complaint Mrs H has complained about a credit card and subsequent limit increases which NewDay Ltd (trading as “Aqua”) provided to her. She says the account was unaffordable. Background Aqua provided Mrs H with a credit card which had a credit limit of £250 in December 2012... (3 pages)View decision -
Decision Reference DRN-5411314
21 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5411314 The complaint Miss W complains that NewDay Ltd trading as Aqua irresponsibly increased her credit limit. What happened Miss W’s Aqua account had a credit limit of £450, but Aqua increased the credit limit to £1,450 in June 2018. Miss W says that it was irresponsible for Aqua... (2 pages)View decision -
Decision Reference DRN5897496
22 Jan 2018 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd (the business) provided him with a card account after he had partially settled a previous account. He says that the new account was provided irresponsibly.backgroundMr R says that he had an account with the business which he partially set... (2 pages)View decision -
Decision Reference DRN-5172860
12 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5172860 The complaint Mr D complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr D applied for an Aqua credit card in April 2023. In his application, Mr D said he was employed with an income of £30,000. Aqua appl... (2 pages)View decision -
Decision Reference DRN-5581477
23 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5581477 The complaint Miss J complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved a credit card application she made. What happened Miss J applied for a Fluid credit card in January 2019. In her application, Miss J said she had an annual income of £30,636 ... (3 pages)View decision -
Decision Reference DRN-5760824
18 Aug 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5760824 The complaint Mr D complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decisi... (4 pages)View decision -
Decision Reference DRN-5190678
16 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5190678 Complaint Miss L has complained about a credit card and subsequent limit increases which NewDay Ltd (trading as “Aqua”) provided to her. She says the credit card was unaffordable and shouldn’t have been provided. Background Aqua provided Miss L with a credit card which had ... (4 pages)View decision -
Decision Reference DRN-5191811
30 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5191811 The complaint Miss W 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 W applied for an Aqua credit card in August 2021. In her application, Miss W gave an incom... (3 pages)View decision -
Decision Reference DRN-5659523
10 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5659523 The complaint Ms M complains that NewDay Ltd trading as Marbles irresponsibly lent to her. What happened Ms M was approved for a Marbles credit card in July 2021 with a £250 credit limit. The credit limit was increased to £1,250 in April 2022, and it was increased for a fina... (4 pages)View decision
