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-3653775
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3653775 The complaint Mrs F complains that NewDay Ltd lent irresponsibly when it approved a Debenhams and Fluid credit card in her name. What happened Mrs F had previously held two Aqua credit cards with NewDay. The cards were closed following financial difficulties with Mrs F in 2014... (3 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-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-5676632
22 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5676632 The complaint Mr R complains that NewDay Ltd trading as Aqua (“Aqua”) was irresponsible in increasing his credit card limit, as it was unaffordable for him. What happened Mr R opened a credit card with Aqua in July 2021. The initial credit limit was £450. The credit limit w... (5 pages)View decision -
Decision Reference DRN-3598788
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3598788 The complaint Mr T complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr T says that NewDay lent to him irresponsibly when it increased the credit limit on the Asda and Aqua credit cards he held. The Asda credit card account was opened in March 2... (3 pages)View decision -
Decision Reference DRN-3566005
1 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3566005 The complaint Miss M complains that NewDay Ltd lent irresponsibly when it approved two credit cards in her name and went on to increase the credit limit. What happened In August 2016 Miss M applied for an Aqua credit card with NewDay. Miss M said she was a tenant, single and a... (3 pages)View decision -
Decision Reference DRN-5997136
5 Dec 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5997136 The complaint Mr A complains that NewDay Ltd irresponsibly lent to him. What happened Mr A was approved for a NewDay branded credit card in December 2023 (which I will refer to as A in this decision), with a £900 credit limit. On the same day, Mr A was approved for a differe... (3 pages)View decision -
Decision Reference DRN-5934150
20 Jan 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5934150 The complaint Mr H has complained that NewDay Ltd, trading as Fluid, were irresponsible when increasing the credit limit on a credit card they supplied to him What happened Fluid provided Mr H with a credit card in November 2021 with a limit of £450. This limit was increased... (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-5501223
2 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5501223 The complaint Miss S complains that NewDay Ltd irresponsibly lent to her. What happened Miss S was approved for a branded NewDay credit card (which I will refer to as A in this decision) in August 2021, with a £900 credit limit. Miss S was approved for another branded NewDay... (3 pages)View decision