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 2246 results
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Decision Reference DRN-5507624
9 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5507624 The complaint Mrs P complains NewDay Ltd (NewDay) irresponsibly lent to her because it provided two credit card accounts without completing the appropriate checks to ensure the lending was affordable for her. What happened Mrs P took out two credit cards with NewDay. Accou... (5 pages)View decision -
Decision Reference DRN-5225228
9 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5225228 The complaint Mrs M has complained about a credit card she took out in November 2018 with NewDay Ltd trading as Aqua. She’s said the credit card was unaffordable and shouldn’t have been approved. Mrs M is represented in bringing her complaint, but for ease I’ve written as if... (4 pages)View decision -
Decision Reference DRN-5617619
9 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5617619 The complaint Miss 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 Miss B applied for an Aqua credit card in August 2014. The application data provided by Aqua sa... (3 pages)View decision -
Decision Reference DRN-5625974
8 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5625974 The complaint Mr S complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr S applied for a Marbles credit card in August 2015. In his application, Mr S said his incom... (3 pages)View decision -
Decision Reference DRN-5556044
7 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5556044 The complaint Mr H complains that a Recommended Extra Payment (REP) was added to his account with NewDay Ltd and taken by direct debit without his consent. What happened Mr H holds a credit card with NewDay Ltd. On 29 February 2024 Mr H set up a Direct Debit on the account. ... (2 pages)View decision -
Decision Reference DRN-5669575
7 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5669575 Complaint Miss T has complained about a credit card and subsequent limit increases that NewDay Ltd (trading as “Marbles”) provided to her. She says that the credit card as well as the limit increases were irresponsibly provided. Background Marbles initially provided Miss T ... (5 pages)View decision -
Decision Reference DRN-5513650
4 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5513650 The complaint Mr H complains that NewDay Ltd irresponsibly lent to him. What happened Mr H was approved for an NewDay credit card (which I will refer to as A in this decision), in January 2020 with a credit limit of £450. I have detailed the credit limit changes below: June ... (6 pages)View decision -
Decision Reference DRN-5620978
3 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5620978 The complaint Miss W complains on behalf of Mr H about issues they experienced when attempting to make a payment to a credit card with NewDay Ltd trading as John Lewis Credit Card. What happened On 31 October 2024 Miss W telephoned NewDay to make a payment to her John Lewis ... (2 pages)View decision -
Decision Reference DRN-5473178
3 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5473178 The complaint Mrs M complains that NewDay Ltd, trading as Amazon Credit Card, made an irresponsible lending decision when they issued her with a credit card. Mrs M is represented in this complaint, but I’ll refer to her as it’s her complaint. What happened In March 2020, Mr... (3 pages)View decision -
Decision Reference DRN-5595837
3 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5595837 The complaint Miss D complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss D applied for an Aqua credit card in August 2022. In her application, Miss D said she was ... (3 pages)View decision
