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-5196251
3 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5196251 The complaint Mrs G complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Mrs G 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 Mrs G h... (3 pages)View decision -
Decision Reference DRN-5272636
5 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5272636 The complaint Miss M complains that NewDay Ltd trading as Aqua irresponsibly lent her money on a credit card. What happened In March 2019, Miss M applied for a card with Aqua, and was offered an initial credit limit of £450. Aqua subsequently increased the credit limit on th... (3 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 -
Decision Reference DRN-5190687
30 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5190687 The complaint Miss C complains that NewDay Ltd trading as Marbles irresponsibly lent to her. What happened Miss C was approved for a Marbles credit card with a £900 credit limit. Miss C says this was irresponsibly lent to her. Miss C made a complaint to Marbles. Marbles did ... (2 pages)View decision -
Decision Reference DRN-5818096
16 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5818096 The complaint Mr W complains that NewDay Ltd trading as Aqua have irresponsibly lent to him. What happened Mr W was approved for an Aqua credit card in June 2022 with a £600 credit limit. I have detailed the credit limit changes below: October 2022£600 to £1,450 February 202... (4 pages)View decision -
Decision Reference DRN-5772371
10 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5772371 The complaint Mr M complains that NewDay Ltd trading as Fluid irresponsibly lent to him. What happened Mr M was approved for a Fluid credit card in February 2025, with a £2,500 credit limit. Mr M says that this was irresponsibly lent to him. Mr M made a complaint to Fluid, w... (2 pages)View decision -
Decision Reference DRN-5590230
29 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5590230 The complaint Mr H complains that NewDay Ltd trading as Marbles 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 h... (4 pages)View decision -
Decision Reference DRN-2631321
13 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2631321 The complaint Ms T complains that NewDay Ltd – trading as Aqua – were irresponsible in approving a credit card for her because she thinks it was unaffordable, and she says she was vulnerable due to her poor mental health at the time. When I refer to what Ms T has said, and Aqua... (7 pages)View decision -
Decision Reference DRN-2826484
19 May 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2826484 The complaint Miss H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card then quickly increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In my p... (4 pages)View decision -
Decision Reference DRN-5227567
21 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5227567 The complaint Mrs G complains that NewDay Ltd trading as Aquacard (NDay) lent to her irresponsibly. What happened In February 2018, Mrs G applied for a new credit card from Aqua. This was agreed and her limit was then increased as shown: Limit increase number Date Limit Feb... (4 pages)View decision