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 2059 results
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Decision Reference DRN-5381429
27 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5381429 The complaint Mr L complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and went on to increase the credit limit. What happened Mr L applied for an Aqua credit card in October 2022. In his application Mr L said he was emp... (3 pages)View decision -
Decision Reference DRN-5298774
27 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5298774 The complaint Miss R complains about the way that NewDay Ltd trading as Aqua handled her credit card account. What happened Miss R holds a credit card with NewDay. She contacted NewDay on 18 September 2024 after receiving a message about her outstanding balance. Miss R expla... (3 pages)View decision -
Decision Reference DRN-5373753
26 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5373753 The complaint Mr O complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr O applied for a Fluid credit card in August 2022. In his application, Mr O said he was employ... (3 pages)View decision -
Decision Reference DRN-5378164
26 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5378164 The complaint Miss J complains that NewDay Ltd trading as Marbles defaulted and terminated her account. What happened Miss J holds a credit card account with NewDay. In September 2024 NewDay wrote to Miss J and advised her that the agreement had been terminated and that the ... (2 pages)View decision -
Decision Reference DRN-5248122
25 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5248122 The complaint Mr P complains that NewDay Ltd was irresponsible in its lending to him. What happened Mr P was provided with a credit card by NewDay in 2019. The credit limit was increased on several occasions between October 2019 and December 2022, with the final credit limit... (4 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-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 DRN-5385530
25 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5385530 The complaint This complaint has been brought by Mr M, representing the estate of the late Miss P. Because Miss P’s estate is valued at under £5,000, no Grant of Probate or Letters of Administration are required, and I am satisfied Mr M is able to bring the complaint as the ... (2 pages)View decision -
Decision Reference DRN-5364984
24 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5364984 The complaint Miss H complains that NewDay Ltd reduced the credit limit on her credit card. What happened Miss H holds a Debenhams credit card with NewDay. On 26 October 2024 Miss H made a payment of £18.41 to her account using the online service. However, the payment wasn’t... (3 pages)View decision -
Decision Reference DRN-5364975
24 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5364975 The complaint Miss T complains that NewDay Ltd trading as Debenhams Mastercard terminated her account and recorded a default on her credit file. What happened Miss T held a Debenhams credit card with NewDay. On 24 May 2023 Miss T made a purchase using the card for £8.99. New... (3 pages)View decision
