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 1089 results
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Decision Reference DRN-5686682
31 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5686682 The complaint Ms M complains NewDay Ltd trading as Fluid (NewDay) failed to carry out sufficient financial checks before it approved a credit card account for her. What happened Ms M says in May 2018 NewDay approved a credit card account for her with a credit limit of £600. ... (3 pages)View decision -
Decision Reference DRN-1790472
19 May 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1790472 The complaintMr T complains that NewDay Ltd (trading as Aqua) lent irresponsibly when it approved his credit card application and when it increased his credit limit. He also complains that NewDay didn't do enough to help him when he told them he was in financial difficulti... (3 pages)View decision -
Decision Reference DRN-3700199
3 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3700199 The complaint Mr B complains that NewDay Ltd, trading as Aqua, didn’t give him support when he found his credit card unaffordable. What happened Mr B held an Aqua credit card between July 2014 and August 2019. Mr B says he found it difficult to make his monthly repayments from ... (2 pages)View decision -
Decision Reference DRN-5145058
25 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5145058 The complaint Miss R complains that NewDay Ltd trading as Aqua (‘NewDay’) lent to her irresponsibly when they provided her with a credit card and later credit limit increases (‘CLIs’). She said NewDay didn’t check that she could repay the balance sustainably. Miss R brought... (4 pages)View decision -
Decision Reference DRN9477256
16 Apr 2020 NewDay Ltd UpheldBanking and creditMrs J complains that NewDay Ltd (trading as Aqua) were irresponsible in increasing the credit limit on her credit card.backgroundIn December 2015, Mrs J was successful in applying for an Aqua credit card, with a limit of £250. That month, she withdrew £120 in cash from the card and in Febr... (4 pages)View decision -
Decision Reference DRN-5325651
15 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5325651 The complaint Mr M complains NewDay Ltd (NewDay) failed to carry out proper financial checks before it approved a credit card account and the subsequent credit limit increases on that account. What happened Mr M says NewDay acted irresponsibly when it provided him with a cre... (3 pages)View decision -
Decision Reference DRN-1703723
22 Jan 2021 NewDay Ltd UpheldBanking and PaymentsDRN-1703723 The complaint Ms T complains that NewDay Ltd, trading as Aqua, lent to her irresponsibly when it provided her with a credit card and later increased the credit limit on that card. What happened Ms T took out a credit card with NewDay in January 2012. The initial credit limit wa... (4 pages)View decision -
Decision Reference DRN-2095068
9 Sep 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2095068The complaintMr M complains that NewDay Ltd trading as Aqua (NewDay) acted irresponsibly when they increased the limit on his credit card on several occasions. What happenedMr M held a credit card account with NewDay, and he says that in a period of less than 3years his limit wa... (3 pages)View decision -
Decision Reference DRN-2382591
3 Dec 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2382591 The complaint Mr M complains that NewDay Ltd trading as Marbles increased his credit limit, lending him money irresponsibly, and he couldn’t afford to pay it back. What happened Mr M said he had a job when he applied for a credit card with NewDay, but then he became a student. ... (4 pages)View decision -
Decision Reference DRN-5570261
1 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5570261 The complaint Mr R complains NewDay Ltd trading as Aqua (NewDay) failed to carry out thorough financial checks before it increased his credit card limit. What happened Mr R says he holds a credit card account with NewDay and in April 2024 it increased his limit from £700 to ... (3 pages)View decision