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-5441435
23 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5441435 The complaint Mr R 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 R applied for an Aqua credit card in February 2020. In his application, Mr R said he was emplo... (3 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-5838503
24 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5838503 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 an Aqua credit card in May 2021. In the application, Miss M said she was ear... (4 pages)View decision -
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 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-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 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-6132841
5 Feb 2026 NewDay Ltd UpheldBanking and PaymentsDRN-6132841 The complaint Mr M complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I sa... (5 pages)View decision -
Decision Reference DRN-1097567
12 May 2020 NewDay Ltd UpheldBanking and PaymentsDRN-1097567The complaintMr W complains that NewDay Ltd (trading as Aqua) irresponsibly lent to him. What happenedMr W applied for a credit card with Aqua in 2014. Based on the information he provided, Aqua accepted his application and opened his account on 11 August 2014. Aqua initially ... (4 pages)View decision