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-5678084
28 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5678084 The complaint Mr O is unhappy that NewDay Ltd closed his account. What happened Mr O had a credit account with NewDay. Mr O engaged with a Claims Management Company (“CMC”) which raised a complaint with NewDay on Mr O’s behalf. Shortly afterwards, Mr O noticed that his NewDa... (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 -
Decision Reference DRN-1805706
8 Sep 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1805706The complaintMr R complains that NewDay Ltd (NewDay) acted irresponsibly by increasing his credit limit.What happenedMr R applied for and was approved for a credit card with NewDay to help improve his credit file. NewDay accepts customers with some negative financial information... (3 pages)View decision -
Decision Reference DRN-4126527
12 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4126527 The complaint Miss S is unhappy as she feels NewDay Ltd provided credit to her irresponsibly. What happened Between December 2018 and December 2021, Miss S successfully applied to NewDay for six differently branded credit accounts. During this time, NewDay also increased the cr... (6 pages)View decision -
Decision Reference DRN-5161570
18 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5161570 The complaint Miss O complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened In September 2021 Miss O applied for a balance transfer credit card with Fluid. In her applica... (3 pages)View decision -
Decision Reference DRN-3452817
28 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3452817 The complaint Mr D complains NewDay Ltd lent him money on two credit cards irresponsibly when he was in financial hardship. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant elements below, and the... (3 pages)View decision -
Decision Reference DRN-5473011
25 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5473011 The complaint Mr A complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened On 4 June 2014, Mr A applied for and received a credit card with Aqua. He was given a credit limit of £250 which changed over time as follows: Date Limit increase / decreas... (5 pages)View decision -
Decision Reference DRN-5632894
17 Jul 2025 NewDay Ltd Not upheldConsumer CreditDRN-5632894 The complaint Mrs B complains that NewDay Ltd trading as AO Finance (NewDay) acted irresponsibly in agreeing to credit she said was unaffordable for her. What happened In December 2021 Mrs B applied for a revolving credit facility with NewDay. Her application was successful ... (3 pages)View decision -
Decision Reference DRN-5410191
8 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5410191 The complaint Mr S complains that NewDay Ltd trading as Pulse (“NewDay”) lent to him irresponsibly and as a result, he’s in financial difficulties. What happened In October 2020 Mr S applied for a card with NewDay. He was granted with an initial credit limit of £950. In Ma... (3 pages)View decision -
Decision Reference DRN-2968503
10 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2968503 The complaint Miss B complains that NewDay Ltd has irresponsibly lent to her. What happened Miss B was accepted for a branded credit card in September 2018 with a credit limit of £500. In February 2019, the credit limit was increased from £500 to £1,400. Miss B was accepted for... (5 pages)View decision
