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 1173 results
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Decision Reference DRN-5657231
20 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5657231 The complaint Mrs S complains that NewDay Ltd trading as BIP (“NewDay”) irresponsibly provided her with a credit card and increased the limit three times. Mrs S is supported in bringing her complaint by a representative but for ease, I’ll refer to Mrs S throughout. What ha... (6 pages)View decision -
Decision Reference DRN-5812755
13 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5812755 The complaint Ms S complains that NewDay Ltd have irresponsibly lent to her. Ms S 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 Ms S herself. What h... (5 pages)View decision -
Decision Reference DRN-5426222
25 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5426222 The complaint Mr C complains that NewDay Ltd irresponsibly lent to him. What happened Mr C was approved for a branded NewDay credit card (which I will refer to as A in this decision), in August 2020 with a credit limit of £600. I have detailed the credit limit changes on A b... (5 pages)View decision -
Decision Reference DRN-5712431
24 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5712431 The complaint Mrs W complains that NewDay Ltd have irresponsibly lent to her. What happened Mrs W was approved for a NewDay branded credit card in January 2020 (which I will refer to as A in this decision). A was approved with a £900 credit limit. I have detailed the credit ... (5 pages)View decision -
Decision Reference DRN-5208366
19 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5208366 The complaint Ms S complains that NewDay Ltd irresponsibly lent to her. What happened Ms S was approved for an NewDay credit card (which I will refer to as A in this decision), in October 2019 with a credit limit of £1,200. I have detailed the credit limit changes below: Jul... (6 pages)View decision -
Decision Reference DRN-5382821
10 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5382821 The complaint Mr L complains that NewDay Ltd irresponsibly lent to him. Mr L is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr L himself. What happened Mr L w... (6 pages)View decision -
Decision Reference DRN-5259262
14 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5259262 The complaint Miss N complains that NewDay Ltd have irresponsibly lent to her. What happened Miss N was approved for an NewDay credit card (which I will refer to as A in this decision), in April 2010 with a credit limit of £350. I have detailed the credit limit changes below... (6 pages)View decision -
Decision Reference DRN-6216006
11 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6216006 The complaint Miss L complains that NewDay Ltd trading as Fluid acted irresponsibly by providing her with, and then increasing the credit limit on, a credit card account. What happened In January 2021, NewDay approved Miss L’s application for a credit card, giving her a lim... (6 pages)View decision -
Decision Reference DRN-3701347
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3701347 The complaint Mr M complains that NewDay Ltd have irresponsibly lent to him. Mr M is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr M himself. What happened Mr M ... (5 pages)View decision -
Decision Reference DRN-5823495
19 Mar 2026 NewDay Ltd UpheldBanking and PaymentsDRN-5823495 The complaint Miss M complains NewDay Ltd trading as Aqua (NewDay) irresponsibly provided her with a credit card because it didn’t complete reasonable and proportionate checks to ensure the lending was affordable for her. What happened Miss M took out a credit card with New... (7 pages)View decision