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
-
Decision Reference DRN5087695
22 Jan 2020 NewDay Ltd UpheldBanking and creditComplaint Mr L complains that NewDay Ltd lent irresponsibly each time it increased his credit limit on his Aqua credit card. BackgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 12 December 2019 - a copy of which is attached ... (5 pages)View decision -
Decision Reference DRN-5543077
28 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5543077 The complaint Mr C complains NewDay Ltd trading as Aqua (NewDay) acted irresponsibly when it provided him with two credit card accounts in April 2019 and February 2022. What happened Mr C says he was approved for a credit card with a £300 limit by NewDay in April 2019 at a t... (4 pages)View decision -
Decision Reference DRN-5539427
8 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5539427 The complaint Mr R complains NewDay Ltd trading as Fluid (“NewDay”) lent a credit card and increased the credit limit irresponsibly. Mr R is being represented on this complaint by a professional third party, but for ease of reference, I’ll refer to Mr R throughout. What ha... (3 pages)View decision -
Decision Reference DRN-3133734
29 Oct 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3133734 The complaint Mrs D says that NewDay Ltd (trading as “Aqua”) didn’t carry out appropriate checks when lending to her and if it had, the checks would have shown the lending was unaffordable for her. What happened In January 2020, Mrs D was provided with an Aqua credit card with ... (3 pages)View decision -
Decision Reference DRN-5514660
13 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5514660 The complaint Mrs T complains that NewDay Ltd, trading as Marbles, irresponsibly provided her with a credit card. Mrs T is supported in bringing this complaint by a representative. But, for ease, I’ll refer to actions and submissions as being those of Mrs T herself. What h... (3 pages)View decision -
Decision Reference DRN-5605394
1 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5605394 The complaint Mr W complains NewDay Ltd trading as Aqua (NewDay) failed to carry out sufficient financial checks before providing him with a credit card account and subsequently increased the credit limit on that account. What happened Mr W says NewDay approved a credit card... (3 pages)View decision -
Decision Reference DRN-4069709
19 Apr 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4069709 The complaint Mr M is unhappy as he feels NewDay Ltd provided credit to him which he couldn’t afford and that this should have been evident to NewDay, had they undertaken checks into his financial position before providing that credit. What happened In January 2020, Mr M applie... (5 pages)View decision -
Decision Reference DRN-2889376
23 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2889376 The complaint Ms R complained that NewDay Ltd (trading as ‘Aqua’) acted irresponsibly when they provided her with a credit card, increased its limit on two occasions and agreed to provide her a loan. What happened Ms R applied online to Aqua for a credit card in July 2016. Aqua... (5 pages)View decision -
Decision Reference DRN9233375
10 Jun 2019 NewDay Ltd UpheldBanking and creditMr P complains that NewDay Ltd, trading as Aqua, shouldn’t have given him a credit card when it did as he couldn’t afford it. Mr P also complained that Aqua refused to provide proof it had carried out a credit check and said one of its staff had been rude to h... (3 pages)View decision -
Decision Reference DRN-5646618
17 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5646618 The complaint Miss S complains that NewDay Ltd trading as Aqua (NewDay) acted irresponsibly in agreeing to a credit card account and subsequent credit limit increase as she said the lending wasn’t affordable for her. What happened In April 2022 Miss S applied for a credit ca... (4 pages)View decision
