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 2509 results
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Decision Reference DRN-5362204
23 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5362204 The complaint Mr G complains that NewDay Ltd, trading as Marbles, irresponsibly provided him with credit. Mr G is supported in bringing this matter by a representative. But, for ease, I’ll refer to all actions and submissions as being those of Mr G himself. What happened N... (3 pages)View decision -
Decision Reference DRN-5588215
23 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5588215 The complaint Miss J complains that NewDay Ltd, trading as Aqua, irresponsibly provided her with a credit card. Miss J is supported in bringing this matter by a representative. But, for ease, I’ll refer to actions and submissions as being those of Miss J throughout. What h... (3 pages)View decision -
Decision Reference DRN-5600069
20 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5600069 The complaint Mr Y complains about NewDay Ltd, trading as John Lewis Credit Card, refusing his request to increase his credit limit and not giving him the reason. What happened Mr Y has had a credit card with NewDay since October 2022 with a credit limit of £5,000. Mr Y say... (2 pages)View decision -
Decision Reference DRN-5434669
20 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5434669 The complaint Mr B complains that NewDay Ltd trading as Marbles (“NewDay”) lent him a credit card that wasn’t affordable for him. What happened In December 2020 Mr B applied for a credit card with NewDay. The application was approved, and he was provided with an initial lim... (3 pages)View decision -
Decision Reference DRN-5616575
19 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5616575 The complaint Miss H complains NewDay Ltd trading as Fluid (“NewDay”) irresponsibly lent to her – she feels the checks weren’t proportionate and the amount of credit provided was too high. What happened In August 2022, Miss H applied for a credit card with NewDay. They prov... (3 pages)View decision -
Decision Reference DRN-5477300
18 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5477300 The complaint Mr H complains that NewDay Ltd trading as Newpay lent to him irresponsibly. What happened In December 2019 Mr H applied for a credit card with NewDay. NewDay approved the application and gave Mr H a card with a credit limit of £1500. Mr H complained that NewDay... (3 pages)View decision -
Decision Reference DRN-5631528
18 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5631528 The complaint Mrs T complains that NewDay Ltd trading as Pulse lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs T applied for a Pulse credit card in August 2014. Pulse has explained that due to the passa... (3 pages)View decision -
Decision Reference DRN-5631863
18 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5631863 The complaint Miss K complains NewDay Ltd trading as Aqua irresponsibly lent to her. Miss K 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 Miss K her... (3 pages)View decision -
Decision Reference DRN-5563430
17 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5563430 The complaint Mr B complains NewDay Ltd trading as Aqua (NewDay) failed to carry out appropriate financial checks before it approved a credit card facility and several subsequent credit limit increases. What happened Mr B says he was approved for a credit card account by New... (5 pages)View decision -
Decision Reference DRN-5508341
17 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5508341 The complaint Mr G complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr G applied for an Aqua credit card in November 2020. In his application, Mr G said he was emplo... (3 pages)View decision