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 2100 results
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Decision Reference DRN-4178613
26 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4178613 The complaint Mr P complains that NewDay Ltd trading as NewDay Cards lent to him irresponsibly. What happened In February 2019 Mr P applied for a Debenhams card. NewDay approved the application and gave Mr P a card with an initial credit limit of £500. The credit limit was incr... (3 pages)View decision -
Decision Reference DRN-4061037
23 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4061037 The complaint Mr H, who is represented by a third party, complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him a credit card that he couldn’t afford to repay. What happened Mr H entered into an agreement with NewDay to have access to credit with an Aq... (4 pages)View decision -
Decision Reference DRN-4193000
16 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4193000 The complaint Ms R complains NewDay Limited trading as Aqua has declined claims she brought under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened I made a provisional decision on this complaint on 26 May 2023, in which I said I was minded to uphold Ms R’s comp... (16 pages)View decision -
Decision Reference DRN-4159353
15 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4159353 The complaint Mr H complains that NewDay Ltd, trading as BIP have lost £600 which he paid towards his digital credit card account. To put things right Mr H wishes for NewDay to pay £600 to his account, the interest he’s been charged to be adjusted to reflect the payment, and he... (3 pages)View decision -
Decision Reference DRN-4145557
14 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4145557 The complaint Mr W complains that NewDay Ltd trading as Marbles Card was irresponsible in its lending to him. What happened Mr W was provided with a credit card in September 2020 (card 1) with an initial credit limit of £900. The credit limit was increased on three occasions (M... (3 pages)View decision -
Decision Reference DRN-4085828
13 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4085828 The complaint Ms O complains about NewDay Ltd recording adverse information on her credit file in relation to a credit card account. What happened Ms O stopped making payments towards her credit card from December 2020. Despite NewDay allowing several payment holidays, it recor... (3 pages)View decision -
Decision Reference DRN-4044790
12 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4044790 The complaint Mr B, who is represented by a third party, complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him a credit card account he couldn’t afford to repay. What happened Mr B entered into an agreement with NewDay to have access to credit by way ... (3 pages)View decision -
Decision Reference DRN-4170718
9 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4170718 The complaint Mr P complains about a payment into his account with NewDay Ltd trading as Marbles (‘Marbles’). What happened Mr P had a Marbles card. On 15 August 2022, he arranged to pay £31 into the account from a business account. Marbles didn’t count this as a payment and c... (3 pages)View decision -
Decision Reference DRN-4152810
9 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4152810 The complaint Mr M complains that NewDay Ltd trading as Marbles was irresponsible in its lending to him. He wants the default removed from his credit file and a refund of the interest charged on his account. What happened Mr M was provided with a credit card account by NewDay i... (2 pages)View decision -
Decision Reference DRN-4150059
8 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4150059 The complaint Ms B complains that NewDay Ltd lent to her irresponsibly. What happened In January 2018 Ms B applied for a Marbles Credit card. Marbles approved the application and gave Ms B a card with an initial credit limit of £900. The credit limit was increased to £2400 in J... (3 pages)View decision
