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 2123 results
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Decision Reference DRN8919496
13 Aug 2014 NewDay Ltd Not upheldBanking and creditMr K complains about the actions of NewDay Ltd (formerly Progressive Credit Ltd, trading as Opus) in relation to his credit card account.backgroundIn 2003, Mr K opened an Associates credit card account. In 2005 the account was under the ownership of CitiFinancial Europe plc, with a credit... (2 pages)View decision -
Decision Reference DRN-3521678
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3521678 The complaint Ms P has complained that NewDay Ltd trading as Marbles Card irresponsibly lent to her. What happened Ms P was provided with a Marbles branded credit card, which had an initial credit limit of £450, in May 2019. The credit limit on this account was increased on fiv... (3 pages)View decision -
Decision Reference DRN-2873482
7 Jul 2021 NewDay Ltd UpheldBanking and PaymentsPage 1 of 8The complaint Mr O complains that NewDay Ltd, trading as Aqua and Marbles (NewDay) irresponsibly provided him with two credit cards and limit increases on those cards, which increased his debt. What happened In August 2015, Mr O applied for an Aqua branded credit card with NewDa... (8 pages)View decision -
Decision Reference DRN-3117983
13 Jan 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3117983 The complaint Mrs G complains NewDay Ltd wrongly declined a claim she brought under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened Mrs G met with a company I’ll call “R” on 19 March 2017, with a view to getting out of her timeshare with a holiday club I will ... (4 pages)View decision -
Decision Reference DRN-3224243
21 Dec 2021 NewDay Ltd Not upheldConsumer CreditDRN-3224243 The complaint Miss P complains that NewDay Ltd unfairly declined her claim under section 75 of the Consumer Credit Act 1974 (CCA). What happened In 2019 Miss P used her NewDay credit card to pay £1,000 towards dental treatment for her daughter, which cost a total of £2,000. Mis... (2 pages)View decision -
Decision Reference DRN-3722035
27 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3722035 The complaint Mrs B complains that NewDay Ltd irresponsibly gave her an Amazon Mastercard credit card account that she couldn’t afford. For simplicity I will refer to the business as ‘NewDay’. What happened On 2 April 2020, Mrs B applied for a credit account with NewDay. She wa... (3 pages)View decision -
Decision Reference DRN-2281697
9 Nov 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-2281697 The complaint Mr P complains that NewDay Ltd offered credit limit increases on his Aqua credit card, even though these weren’t affordable for him. What happened In April 2013 Mr P applied for an Aqua credit card. NewDay opened an account in his name with a credit limit of £500,... (3 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 -
Decision Reference DRN-2703769
6 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2703769 The complaint Miss L complains that NewDay Ltd trading as Aqua was irresponsible in offering her a credit card in 2015. She’d like it to write off the balance and to refund all the interest already paid. What happened Miss L applied for an Aqua credit card in September 2015. He... (3 pages)View decision -
Decision Reference DRN2102404
10 Apr 2019 NewDay Ltd UpheldBanking and creditMr G complains that NewDay Ltd gave him incorrect information about the balance on his account. He says as a result he’s incurred additional interest, which he’d like waived and any adverse information recorded against his credit record removed.background On 16 August... (3 pages)View decision
