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-4024710
1 Apr 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4024710 The complaint Miss M complains that NewDay Ltd trading as Fluid Credit Card irresponsibly allowed her to open a credit card account which was unaffordable. What happened Miss M says she opened the Fluid account in December 2021 but says the application should not have been appr... (2 pages)View decision -
Decision Reference DRN-5506180
26 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5506180 The complaint Mrs M complains that NewDay Ltd trading as Pulse 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-5303170
27 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5303170 The complaint Mr C complains NewDay Ltd trading as Aqua (“NewDay”) lent to him irresponsibly. Mr C’s complaint has been brought to our service via a representative, but for ease of reference I’ll refer to him throughout. What happened In April 2016 Mr C applied for a credi... (3 pages)View decision -
Decision Reference DRN-3547212
16 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3547212 The complaint Mrs B complains that NewDay Ltd trading as Aqua (NewDay) lent to her irresponsibly when it gave her a credit card. Mrs B is assisted in this matter by her son. But, for ease, I’ll refer to Mrs B throughout. What happened Mrs B took out an Aqua branded credit card ... (4 pages)View decision -
Decision Reference DRN-5240692
13 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5240692 The complaint Miss E 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 E applied for a credit card with Aqua in September 2017. In her application, Miss E said s... (3 pages)View decision -
Decision Reference DRN-3425300
1 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3425300 The complaint Miss M complains that NewDay Ltd trading as Marbles irresponsibly allowed her to open a credit card account which was unaffordable and irresponsibly increased the credit limits. What happened Miss M says the Marbles account was opened in October 2017 with a credit... (2 pages)View decision -
Decision Reference DRN7430819
12 Jun 2019 NewDay Ltd Not upheldBanking and creditMr R complains that it was irresponsible of NewDay Ltd (trading as Aqua) to give him a credit card and increase the credit limit at times. He’s also unhappy with the way Aqua responded when he had trouble making repayments. backgroundMr R applied for a credit card fro... (3 pages)View decision -
Decision Reference DRN-5083365
19 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5083365 The complaint Mr I complains NewDay Ltd, trading as BIP (“NewDay”), lent to him irresponsibly and is unhappy with the information recorded on his credit file. What happened In May 2022, Mr I applied for a credit card with NewDay. He was provided with a limit of £900, and th... (3 pages)View decision -
Decision Reference DRN9375315
13 Mar 2019 NewDay Ltd Not upheldBanking and creditMr S complains that NewDay Ltd lent irresponsibly when it approved a credit card in 2015. Mr S also complains that he didn’t know a default had been applied in 2016. backgroundMr S applied for a NewDay credit card in 2015 and it was approved. In August 2016 Mr S m... (2 pages)View decision -
Decision Reference DRN-5554428
10 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5554428 The complaint Miss M complains that NewDay Ltd acted irresponsibly in granting her a credit card. What happened Miss M opened an account with NewDay in June 2020. The credit limit was £600. In 2024, Miss M complained to NewDay that the account had been unaffordable for her.... (2 pages)View decision
