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
-
Decision Reference DRN-5136463
29 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5136463 The complaint Mr P complains NewDay Ltd trading as Aqua irresponsibly lent to him. Mr P 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 P himself. What happe... (4 pages)View decision -
Decision Reference DRN-5155815
13 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5155815 The complaint Ms C complains that NewDay Ltd trading as Aqua irresponsibly lent to her. What happened Ms C was approved for an Aqua credit card in April 2022 with a £1,200 credit limit. Ms C says this was irresponsibly lent to her. Ms C made a complaint to Aqua, who did not ... (3 pages)View decision -
Decision Reference DRN-1151948
17 Apr 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1151948The complaintMr A complains that NewDay Ltd (trading as Aqua) lent irresponsibly after it approved his credit card application. What happenedMr A applied for an Aqua credit card in September 2016 and said he was working and had an income of £17,000 a year. The application also s... (2 pages)View decision -
Decision Reference DRN-5985481
9 Dec 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5985481 The complaint Mr C complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr C 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 C himself. What... (3 pages)View decision -
Decision Reference DRN-5450779
14 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5450779 The complaint Miss T complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Miss T 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 Miss T herself ... (3 pages)View decision -
Decision Reference DRN-5571502
13 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5571502 The complaint Miss S complains that NewDay Ltd trading as Fluid irresponsibly lent to her. Miss 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 Miss... (2 pages)View decision -
Decision Reference DRN-5898569
22 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5898569 The complaint Mr R complains that NewDay Ltd trading as Fluid irresponsibly lent to him. Mr R 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 Mr R him... (4 pages)View decision -
Decision Reference DRN-4252637
3 Aug 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4252637 The complaint Mr P complains that NewDay Ltd trading as Marbles lent to him irresponsibly. What happened Mr P applied for a credit card with Marbles in March 2021. Marbles gave him a credit card with a credit limit of £450. The credit limit was increased to £1200 in July 2021, ... (2 pages)View decision -
Decision Reference DRN-5620984
25 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5620984 The complaint Mr H complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr H 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 Mr H hims... (2 pages)View decision -
Decision Reference DRN-5276883
11 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5276883 The complaint Mr P complains NewDay Ltd trading as Fluid Mastercard irresponsibly lent to him. Mr P 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 Mr... (3 pages)View decision