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 2077 results
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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-5047877
23 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5047877 The complaint Mr T complains, through his representative, that NewDay Limited lent to him by approving a card he could not afford to pay off. Mr T says it lent irresponsibly when it increased his credit limits. He wants all interest, fees, and charges plus 8% interest refund... (4 pages)View decision -
Decision Reference DRN-5188224
23 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5188224 The complaint Mr C complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened In November 2017 Mr C applied for a credit card with Marbles. In his application, Mr C said he... (3 pages)View decision -
Decision Reference DRN-5193420
21 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5193420 The complaint Mr M complains about interest rate increases that NewDay Ltd (‘NewDay’), trading as Debenhams Mastercard, applied to his account. What happened Mr M experienced some difficulty making repayments towards his NewDay credit card account. He was allowed breathing s... (2 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 -
Decision Reference DRN-5217407
20 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5217407 The complaint Miss G, represented by a third party, complains that NewDay Ltd was irresponsible in its lending to her. What happened In February 2022 NewDay provided Miss G with a credit card with an initial limit of £1,200. The limit was increased to £1,500 in December 202... (3 pages)View decision -
Decision Reference DRN-5222773
19 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5222773 The complaint Mr S complains that NewDay Ltd trading as Aquacard (NDay) lent to him irresponsibly. What happened In June 2022, Mr S applied for a new credit card from Aqua. This was agreed and his limit was then increased as shown: Limit increase number Date Limit June 2022... (4 pages)View decision -
Decision Reference DRN-5216943
19 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5216943 The complaint Mr C, represented by a third party, complains that NewDay was irresponsible in its lending to him. What happened In April 2017 NewDay provided Mr C with a credit card with an initial limit of £300. The limit was increased on five occasions bringing it to £4,85... (3 pages)View decision -
Decision Reference DRN-5161570
18 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5161570 The complaint Miss O complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened In September 2021 Miss O applied for a balance transfer credit card with Fluid. In her applica... (3 pages)View decision -
Decision Reference DRN-5204469
18 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5204469 The complaint Mr S complains that NewDay Ltd lent irresponsibly when it approved two credit cards in his name and went on to increase the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: ... (4 pages)View decision
