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-5456355
27 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5456355 The complaint Mr E complains NewDay Ltd trading as Pulse incorrectly applied interest to his account, as well as providing poor customer service. What happened Mr E holds a credit card account with Pulse. In November 2024, Mr E was concerned interest had been incorrectly ap... (2 pages)View decision -
Decision Reference DRN-5574470
26 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5574470 The complaint Miss S complains that NewDay Ltd trading as Aqua (NewDay) shouldn’t have agreed to open a credit card account and subsequently apply further credit limit increases as the lending was unaffordable. What happened In January 2023 Miss S applied for a credit card a... (4 pages)View decision -
Decision Reference DRN-5582228
23 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5582228 The complaint Mr B complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application. What happened Mr B applied for a Marbles credit card in April 2022. In his application, Mr B gave an annual income of £52,000 that Marbles calcul... (2 pages)View decision -
Decision Reference DRN-5581477
23 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5581477 The complaint Miss J complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved a credit card application she made. What happened Miss J applied for a Fluid credit card in January 2019. In her application, Miss J said she had an annual income of £30,636 ... (3 pages)View decision -
Decision Reference DRN-5441435
23 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5441435 The complaint Mr R 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 R applied for an Aqua credit card in February 2020. In his application, Mr R said he was emplo... (3 pages)View decision -
Decision Reference DRN-5481534
23 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5481534 The complaint Mrs B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs B applied for an Aqua credit card in August 2018. In her application, Mrs B said he was empl... (3 pages)View decision -
Decision Reference DRN-5561502
21 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5561502 The complaint Miss K complains that NewDay Ltd trading as Marbles irresponsibly lent to her. What happened Miss K was approved for a Marbles credit card in May 2024 with a £900 credit limit. Miss K says this was irresponsibly lent to her. Miss K made a complaint to Marbles. ... (2 pages)View decision -
Decision Reference DRN-5441321
21 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5441321 The complaint Mr S complains NewDay Ltd trading as Aqua irresponsibly lent to him. Mr S is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr S himself. What happe... (2 pages)View decision -
Decision Reference DRN-5555326
21 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5555326 The complaint Miss R complains, through her representative, that NewDay Ltd trading as TUI Mastercard (“NewDay”) gave her a credit card and then increased her credit limit when she couldn’t afford it. What happened I’ve summarised Miss R’s card approval and credit limit incr... (3 pages)View decision -
Decision Reference DRN-5534815
21 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5534815 The complaint Mr L complains that NewDay Ltd was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest and any adverse information about this account removed from his credit file. Mr L is represented by a third-party bu... (3 pages)View decision