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-5636693
26 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5636693 The complaint Mr G complains that NewDay Ltd irresponsibly lent to him. What happened Mr G was approved for a branded NewDay credit card (which I will refer to as A in this decision) in June 2019, with a £250 credit limit. Mr G was approved for another branded NewDay credit ... (3 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-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 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-5861556
26 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5861556 The complaint Mrs J complains that NewDay Ltd trading as Pulse lent irresponsibly when it approved her credit card application and later increased the limit. What happened Mrs J applied for a Pulse credit card in November 2021. In her application, Mrs J said she was employe... (4 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 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-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-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-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