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 2542 results
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Decision Reference DRN-2944276
6 Aug 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2944276 The complaint Mrs W complains that NewDay Ltd trading as Marbles (Marbles) lent to her irresponsibly. What happened Mrs W had a Marbles card since 2003. Between 2013 and 2016, her limit was increased several times: In June 2017, her debt was sold to a debt collection agency. Mr... (4 pages)View decision -
Decision Reference DRN-2940840
4 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2940840 The complaint Mr C complains that NewDay Ltd irresponsibly allowed him to open two credit card accounts and also increased the credit limits which he says was unaffordable. What happened Mr C opened two NewDay credit card accounts which I will call “M” and “A”. He says the acco... (3 pages)View decision -
Decision Reference DRN-2844726
4 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2844726 The complaint Mr M is unhappy that NewDay Ltd trading as Marbles declined his Section 75 claim. What happened Mr O purchased a car from a merchant for £2,890 (including £200 for an extended warranty) and paid for it using his Marbles credit card. Within a few weeks of Mr O purc... (3 pages)View decision -
Decision Reference DRN-2928882
3 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2928882 The complaint Ms C is unhappy with the way that NewDay Ltd, trading as Opus, managed her credit account. What happened Ms C had a credit account with NewDay with a credit limit of £7,800. In October 2015, NewDay increased the credit limit on Ms C’s account to £10,150. In August... (3 pages)View decision -
Decision Reference DRN-2940502
2 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2940502 The complaint Miss F complains that NewDay Ltd trading as Aqua (Aqua) lent to her irresponsibly. What happened In November 2014, Miss F applied for a credit card from Aqua. She was given a limit of £250. The limits were then increased as follows: Date Limit November 2014 £250 M... (3 pages)View decision -
Decision Reference DRN-2953588
2 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2953588 The complaint Mr G complains that by NewDay Ltd increasing his credit limit on his Debenhams card meant the repayments were unaffordable for him. What happened Mr G had two credit cards with NewDay – a Fluid credit card and a Debenhams credit card. In November 2019, NewDay lowe... (5 pages)View decision -
Decision Reference DRN-2954351
2 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2954351 The complaint Miss R complains NewDay Ltd trading as Aqua, (“NewDay”) increased her credit card limit when she couldn’t afford it. What happened In April 2014 Miss R took out a credit card with NewDay, it had an initial credit limit of £250. Between July 2014 and July 2017, th... (5 pages)View decision -
Decision Reference DRN-2952185
30 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2952185 The complaint Mr J complained about lending made to him by NewDay Ltd. He said he already had a considerable amount of unsecured debt when NewDay lent him this money, and he thought this lending was irresponsible. What happened Mr J said he applied for a credit card with NewDa... (3 pages)View decision -
Decision Reference DRN-2914955
28 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2914955 The complaint Miss J is unhappy that NewDay Ltd approved her for a credit account that was unaffordable for her at that time. Miss J is also unhappy that NewDay Ltd subsequently increased the credit limit on the account, which she feels was also unaffordable for her at that tim... (3 pages)View decision -
Decision Reference DRN-2920207
28 Jul 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2920207 The complaint Miss W is unhappy that NewDay Ltd increased the credit limit on her account when such a credit limit increase wasn’t affordable for her. What happened Miss W held a credit account with NewDay with a credit limit of £300. In February 2020, NewDay wrote to Miss W to... (3 pages)View decision