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-4771161
7 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4771161 The complaint Mr L complains that NewDay Ltd trading as Argos Credit approved a credit card instead of the store card he applied for. Mr L also complains that NewDay lent irresponsibly when it approved his credit card application. Mr L also says that despite asking NewDay to ca... (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-4586544
14 Feb 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4586544 Complaint Miss C has complained about a credit card NewDay Ltd (trading as “Aqua”) provided to her. She says the credit card was irresponsibly provided to her and then her limit increased even after she was only making minimum payments. Background Aqua provided Miss C with a cr... (3 pages)View decision -
Decision Reference DRN-5771225
10 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5771225 The complaint Mrs M complains that NewDay Ltd trading as Aqua 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 h... (5 pages)View decision -
Decision Reference DRN-3107341
14 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3107341 The complaint Miss B complains that NewDay Ltd trading as Fluid have irresponsibly lent to her and have provided poor account management. What happened Miss B applied for a Fluid credit card on 11 December 2019. Fluid accepted her application and issued a credit limit of £900. ... (5 pages)View decision -
Decision Reference DRN-5302767
28 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5302767 The complaint Mrs B complains NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Mrs B was approved for an Aqua credit card in January 2018 with a £450 credit limit. I have detailed the credit limit changes below: November 2018 £450 to £1,100 April 2019 £1,1... (3 pages)View decision -
Decision Reference DRN-5973487
13 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5973487 The complaint Miss W complains that NewDay Ltd, trading as Fluid, lent to her irresponsibly. What happened In June 2020, NewDay provided Miss W with a credit card. It had an initial opening limit of £500, and that limit was increased several times over the years; to £1,000 ... (3 pages)View decision -
Decision Reference DRN-5344658
11 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5344658 The complaint Mr A 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 A applied for a credit card with Aqua in September 2018. In his application, Mr A said he was ... (3 pages)View decision -
Decision Reference DRN-3293577
28 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3293577 The complaint Mr M complains that NewDay Ltd lent irresponsibly when it approved two branded credit cards and went on to increase the credit limits. What happened Mr M opened an Aqua credit card with NewDay in April 2018. In June 2019 Mr M successfully applied for a Debenhams c... (3 pages)View decision -
Decision Reference DRN-3068541
10 Dec 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3068541 The complaint Ms W complains that NewDay Ltd lent irresponsibly when it approved her Tui credit card and later increased the credit limit. Ms W also complains that NewDay lent irresponsibly when it approved a Fluid credit card. What happened In May 2019 Ms W applied for a Tui c... (3 pages)View decision