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 2527 results
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Decision Reference DRN-3661926
22 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3661926 The complaint Mr G complains that NewDay Ltd (trading as Marbles) lent to him irresponsibly. What happened On 6 March 2017, Mr G applied for a Marbles credit card and was given a limit of £600. He used the card regularly but in November 2018 stopped making payments and fell int... (3 pages)View decision -
Decision Reference DRN-3288470
22 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3288470 The complaint Mr G complains that NewDay Ltd (trading as Marbles) lent to him irresponsibly. What happened On 6 March 2017, Mr G applied for a Marbles credit card and was given a limit of £600. He used the card regularly but in November 2018 stopped making payments and fell int... (3 pages)View decision -
Decision Reference DRN-3658324
20 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3658324 The complaint Mrs W complains for and behalf of the estate of Mrs S that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it provided the late Mrs S with a credit card and increased her credit limit on three occasions. What happened NewDay opened a credit card ac... (5 pages)View decision -
Decision Reference DRN-3657343
19 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3657343 The complaint Mrs M complains that NewDay Ltd trading as Marbles Card has irresponsibly lent to her. Mrs M is represented by her husband in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments he has made as being made by Mrs M herself. Wh... (4 pages)View decision -
Decision Reference DRN-3658061
19 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3658061 The complaint Mr W complains that NewDay Ltd trading as Marbles (‘NewDay’) irresponsibly gave him a running account credit facility that he couldn’t afford. What happened On 16 June 2015, Mr W applied for and was given a credit card account with NewDay. In 2021, Mr W complained... (2 pages)View decision -
Decision Reference DRN-3387662
19 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3387662 The complaint Mr B has complained NewDay Ltd gave him a credit card with subsequent credit limit increases without properly assessing his ability to repay. What happened Mr B applied for a credit card with NewDay in February 2018. NewDay carried out credit checks. As Mr B passe... (3 pages)View decision -
Decision Reference DRN-3403504
18 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3403504 The complaint Mrs H is unhappy that NewDay Ltd, trading as Aqua, provided new and further credit to her which wasn’t affordable for her at that time. What happened Mrs H applied for a NewDay administer credit account in October 2018. Her application was approved, and NewDay iss... (5 pages)View decision -
Decision Reference DRN-3487009
17 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3487009 The complaint Mrs A complains NewDay Ltd recorded missed payments on her credit file despite agreeing a payment holiday on her credit card account. What happened Mrs A is assisted in bringing her complaint by a third party. For simplicity, I’ve referred to all comments as havin... (3 pages)View decision -
Decision Reference DRN-3610538
16 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3610538 The complaint Mr P complains that NewDay Ltd accepted an application for a marbles credit card which he doesn’t remember applying for. Mr P is also unhappy that NewDay Ltd didn’t call him before making its decision to hold him liable and then didn’t send him any information und... (2 pages)View decision -
Decision Reference DRN-3593868
16 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3593868 The complaint Miss P complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her a credit card that she couldn’t afford to repay. What happened Miss P entered into an agreement with NewDay to have access to credit with an Aqua credit card account. The accou... (3 pages)View decision