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-2748091
20 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2748091 The complaint Mr V complains that NewDay Ltd trading as Aqua irresponsibly lent to him and the lending was unaffordable. What happened Mr V says he took out an Aqua credit card account but Aqua didn’t check his finances which would have shown his financial difficulties. He says... (2 pages)View decision -
Decision Reference DRN-5359848
27 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5359848 The complaint Mr C complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and went on to increase the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional dec... (4 pages)View decision -
Decision Reference DRN-5396151
13 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5396151 The complaint Mr J complains that NewDay Ltd trading as Aqua 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 decisio... (4 pages)View decision -
Decision Reference DRN-5738174
15 Aug 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5738174 Complaint Mr M has complained about a credit card NewDay Ltd (trading as “BIP”) provided to him. Mr M is being represented by his mother in this complaint. However, for ease of reference, I will refer to the arguments and submissions made on the case as having been made by ... (4 pages)View decision -
Decision Reference DRN-4598536
11 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4598536 The complaint Mrs R complains that NewDay Ltd trading as John Lewis Partnership Card (JLP) lent irresponsible when it approved her credit card application. What happened In January 2023 Mrs R applied for a credit card with JLP. In the application, Mrs R said she was employed wi... (3 pages)View decision -
Decision Reference DRN-5707977
28 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5707977 The complaint Ms D complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and later increased the limit. What happened Ms D applied for a Fluid credit card in November 2018. In her application, Ms D said she was employed w... (3 pages)View decision -
Decision Reference DRN-5650327
11 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5650327 The complaint Miss M complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Miss M was approved for an Aqua credit card in July 2024 with a £600 credit limit. She says this was irresponsibly lent to her as she had pay day loans, and other debt. Mi... (3 pages)View decision -
Decision Reference DRN3044214
5 Sep 2018 NewDay Ltd Not upheldBanking and creditMr B complains that NewDay Ltd trading as Aqua irresponsible increased his credit limit and then increased his interest rate making it difficult for him to repay. He’d like the interest rate returned to the previous rate and any adverse information removed from his cr... (3 pages)View decision -
Decision Reference DRN-5462412
7 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5462412 The complaint Mrs H complains that NewDay Ltd trading as Marbles irresponsibly lent to her. Mrs H 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 ... (5 pages)View decision -
Decision Reference DRN-2934853
21 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2934853 The complaint Ms S complains that NewDay Ltd trading as Marbles irresponsibly allowed her to open a credit card account which was unaffordable. What happened Ms S says the Marbles credit card account was unaffordable from the time it was opened, and that Marbles didn’t carry ou... (3 pages)View decision
