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-5573674
11 Jun 2025 NewDay Ltd Not upheldConsumer CreditThe complaint Mrs S complains that NewDay Ltd trading as Aqua (NewDay) acted irresponsibly in opening a credit card account and subsequently increasing her credit limit. What happened In July 2018 Mrs S applied for a credit card with NewDay. Her application was successful and NewDay applie... (3 pages)View decision -
Decision Reference DRN-5606300
10 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5606300 The complaint Mr D complains that NewDay Ltd will not meet his claim following the installation of a bathroom at his home and paid for in part by credit card. NewDay trades in this case under its Marbles brand. What happened In November 2023 Mr D engaged a company, which I’l... (4 pages)View decision -
Decision Reference DRN-5610090
9 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5610090 The complaint Mrs S complains that NewDay Ltd trading as Marbles Card was irresponsible in its lending to her. She wants all interest and charges refunded along with statutory interest and any adverse information removed from her credit file. Mrs S is represented by a third ... (4 pages)View decision -
Decision Reference DRN-5604504
9 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5604504 The complaint Mr W is unhappy that NewDay Ltd trading as Pulse (formerly Amazon Classic) (‘NewDay’) migrated his credit card to Pulse from Amazon without telling him and caused him issues accessing his account. Mr W complains that he’s been overcharged fees and interest, an... (4 pages)View decision -
Decision Reference DRN-5574373
5 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5574373 The complaint Miss M complains NewDay Ltd trading as Aqua (NewDay) failed to carry out affordability checks before it approved a credit card facility and subsequently increased the credit limits on that credit card account. What happened Miss M says she took out an Aqua cred... (4 pages)View decision -
Decision Reference DRN-5601855
5 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5601855 The complaint Mr N complains, through his representative, that NewDay Ltd (“NewDay”) gave him two credit cards and then then increased his credit limit when he couldn’t afford them. What happened Mr N had two NewDay credit cards an Opus branded one and an Aqua branded card a... (4 pages)View decision -
Decision Reference DRN-5603859
4 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5603859 The complaint Mr U 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 U applied for an Aqua credit card in June 2018. In his application, Mr U said he was employed ... (3 pages)View decision -
Decision Reference DRN-5395572
4 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5395572 The complaint Mr F complains NewDay Ltd trading as Fluid Mastercard (NewDay) didn’t appropriately check his credit record or income and expenditure before approving him for credit. What happened In October 2022, Mr F took out a credit card with NewDay. The card had an additi... (5 pages)View decision -
Decision Reference DRN-5399719
4 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5399719 The complaint Mrs P complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs P applied for a Marbles credit card with NewDay in March 2017. In her application, Mrs P ... (3 pages)View decision -
Decision Reference DRN-5413148
3 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5413148 The complaint Mr W complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved his credit card application. What happened Mr W applied for a Fluid credit card in July 2023. In his application, Mr W said he was employed with an annual income of £32,500 tha... (2 pages)View decision