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 2124 results
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Decision Reference DRN-5012786
11 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5012786 The complaint Mr G, through a representative, says NewDay Ltd irresponsibly lent to him. What happened Mr G applied for a credit card from NewDay in August 2019. It was approved with a limit of £1,200. He was then given five credit limit increases until his limit reached £8,... (3 pages)View decision -
Decision Reference DRN-4483828
28 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4483828 The complaint X complains about NewDay Ltd, trading as Pulse, as they’ve closed X’s credit card account and X can no longer transfer the balance to another bank. What happened I issued my provisional decision on 4 November 2023, and this is what I said: I’ve considered the rele... (5 pages)View decision -
Decision Reference DRN-4799021
15 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4799021 The complaint Mr R, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened Mr R took out a credit card from NewDay in May 2015. He was given a credit limit of £250. This was then increased to £650 in August 2015 and to £1,250 in Apr... (3 pages)View decision -
Decision Reference DRN4303776
24 Oct 2018 NewDay Ltd UpheldBanking and creditMr D complains about the service that he received from NewDay Limited in relation to his credit card account. He says that NewDay’s been unhelpful, ignored his request to change his payment due date, harassed him with phone calls and that he isn't happy with the ... (3 pages)View decision -
Decision Reference DRN-2674170
25 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2674170 The complaint Mrs C complains that NewDay Ltd (“NewDay”), trading as Fluid, were irresponsible to increase her credit card limit because she could not afford the additional credit. What happened The details of this complaint are well known to both parties, so I won’t repeat the... (3 pages)View decision -
Decision Reference DRN-2844726
4 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2844726 The complaint Mr M is unhappy that NewDay Ltd trading as Marbles declined his Section 75 claim. What happened Mr O purchased a car from a merchant for £2,890 (including £200 for an extended warranty) and paid for it using his Marbles credit card. Within a few weeks of Mr O purc... (3 pages)View decision -
Decision Reference DRN-3657343
19 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3657343 The complaint Mrs M complains that NewDay Ltd trading as Marbles Card has irresponsibly lent to her. Mrs M is represented by her husband in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments he has made as being made by Mrs M herself. Wh... (4 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-3604803
20 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3604803 The complaint Ms Y complains that NewDay Ltd trading as Marbles Card (‘NewDay’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 1 July 2016, Ms Y applied for a credit account with NewDay. She was given an initial credit limit of £300. The... (3 pages)View decision -
Decision Reference DRN-3709445
31 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3709445 The complaint Mr W complains that NewDay Ltd trading as Marbles irresponsibly granted credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr W in June 2021. It provided an initial credit limit of £450. This was increased to £1450... (2 pages)View decision
