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-3786800
4 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3786800 The complaint Miss G says NewDay Ltd irresponsibly lent to her. What happened Miss G’s complaint is about a credit card provided by NewDay. The account was opened in May 2020 with an initial credit limit of £1000. There were no further credit limit increases. Miss G complained ... (2 pages)View decision -
Decision Reference DRN-3799358
5 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3799358 The complaint Miss H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card and increased the credit limit. What happened Miss H applied for a credit card with NewDay in April 2021. NewDay approved the application and gave Miss H a credit... (2 pages)View decision -
Decision Reference DRN-2800414
17 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2800414 The complaint Ms K complains that NewDay Ltd lent irresponsibly when it approved two credit cards and increased her credit limit. What happened Ms K applied for a credit card (card 1) with NewDay in October 2016 and was given a £500 credit limit. In Ms K’s application, she told... (3 pages)View decision -
Decision Reference DRN-4077856
24 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4077856 The complaint Miss C complains that NewDay Ltd acted irresponsibly when it increased her credit card limit in 2021. What happened Miss C applied for a credit card with NewDay in 2020. The following year NewDay increased Miss C’s credit limit and in 2021 the credit card limit wa... (2 pages)View decision -
Decision Reference DRN-3341072
1 Mar 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3341072 The complaint Mrs M complains that NewDay Ltd trading as Amazon Classic lent irresponsibly when it approved her credit card application. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: Mrs M applied for ... (3 pages)View decision -
Decision Reference DRN-5446134
1 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5446134 The complaint Mr B 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 B applied for an Aqua credit card in November 2016. In his application, Mr B said he was emplo... (3 pages)View decision -
Decision Reference DRN-2911285
15 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2911285 Complaint Mr H is unhappy with what NewDay Ltd (trading as “Aqua”) did to put things right after it agreed it irresponsibly lent to him. Background When Aqua considered Mr H’s complaint it didn’t think it acted unreasonably when initially providing Mr H with his credit card in ... (4 pages)View decision -
Decision Reference DRN7480506
6 Jun 2019 NewDay Ltd UpheldBanking and creditMrs N complains that NewDay Ltd irresponsibly lent to her in allowing her a credit card when she was struggling with other debts. She would like them to refund all interest and charges and remove any negative information from her credit file. backgroundIn September 2015, Mrs D applied for ... (3 pages)View decision -
Decision Reference DRN-5285632
24 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5285632 Complaint Miss D has complained about a credit card and subsequent limit increases that NewDay Ltd (trading as “Fluid”) provided to her. She says that her credit limit increases were irresponsibly provided. Background Fluid provided Miss D with a credit card, which had a cr... (3 pages)View decision -
Decision Reference DRN-3020596
1 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3020596 The complaint Mr V complains that NewDay Ltd lent irresponsibly when it increased the credit limit of his credit cards. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In my provisional decision I explained why ... (5 pages)View decision
