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-3575951
4 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3575951 The complaint Mr L has complained that NewDay Ltd have given him credit limit increases without checking whether they were affordable and have not taken into account his financial difficulties after he told them. What happened Mr L is self-employed. He held two accounts with Ne... (5 pages)View decision -
Decision Reference DRN-3566005
1 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3566005 The complaint Miss M complains that NewDay Ltd lent irresponsibly when it approved two credit cards in her name and went on to increase the credit limit. What happened In August 2016 Miss M applied for an Aqua credit card with NewDay. Miss M said she was a tenant, single and a... (3 pages)View decision -
Decision Reference DRN-3568944
1 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3568944 The complaint Mr T complains that NewDay Ltd lent irresponsibly when it approved credit card applications for its Aqua and Amazon accounts and later increased the credit limits. What happened The background to this complaint and my initial conclusions were set out in my provisi... (4 pages)View decision -
Decision Reference DRN-3330637
29 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3330637 The complaint Mrs C says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs C applied for a credit card in September 2018. It was approved with a limit of £450 and she was given five subsequent credit limit increases by NewDay – in January 2019 to £1,700,... (3 pages)View decision -
Decision Reference DRN-3479382
29 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3479382 The complaint Mr R says NewDay Ltd (“NewDay”) irresponsibly lent to him. He has requested that the interest and late payment charges he paid on the account be refunded. What happened This complaint is about a credit card account, trading as Marbles, provided by NewDay to Mr R. ... (3 pages)View decision -
Decision Reference DRN-3565518
28 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3565518 The complaint Mrs O complains that NewDay Ltd trading as Fluid Mastercard lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened Mrs O applied for a Fluid credit card in March 2020. Mrs O’s application said she wa... (3 pages)View decision -
Decision Reference DRN-3359926
28 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3359926 The complaint Mr L complains NewDay Ltd irresponsibly lent him two credit cards, and a loan. What happened Mr L took out the following: Aqua credit card in May 2015 with an initial limit of £100 Marbles credit card in December 2016 with an initial limit of £600 Marbles loan ... (5 pages)View decision -
Decision Reference DRN-3504623
27 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3504623 The complaint Mr M complains that NewDay Ltd lent to him irresponsibly in relation to three credit cards. What happened Mr M applied for the first credit card online in March 2015. His application data included that he was employed and had a gross income of £19,500 a year. NewD... (6 pages)View decision -
Decision Reference DRN-3477762
24 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3477762 The complaint Mr M complains that NewDay Ltd was irresponsible in approving his application for a credit card and in providing subsequent credit limit increases. What happened Mr M has held two store branded credit cards administered by NewDay. In a previous decision I have exp... (4 pages)View decision -
Decision Reference DRN-3559574
24 Jun 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3559574 The complaint Miss P complains that NewDay Ltd trading as Aqua have irresponsibly lent to her. Miss 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 Mis... (3 pages)View decision