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 2101 results
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Decision Reference DRN0131777
3 Oct 2014 NewDay Ltd Not upheldPayment protection insurance (PPI)Mr A’s complaint is about the compensation offered to him by NewDay Ltd (NewDay) in respect of a mis-sold payment protection insurance (PPI) policy.background In 2012 Mr A complained to NewDay about the sale of a PPI policy. The policy was sold to him in connection with a credit card.... (2 pages)View decision -
Decision Reference DRN8360129
25 Jan 2017 NewDay Ltd UpheldBanking and creditMrs H complained that NewDay Ltd unfairly recorded a default against her credit file after it agreed a full and final settlement. backgroundThe background to this complaint was set out in my provisional decision. An extract from this is attached and forms part of t... (3 pages)View decision -
Decision Reference DRN-4294332
4 Dec 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4294332 The complaint Mr G complains that he is required to provide a one time passcode (OTP) when shopping online using his credit card held with NewDay Ltd. What happened Mr G complains that he is unbale to use his NewDay credit card for online purchases because he lives in a remote ... (2 pages)View decision -
Decision Reference DRN-5232695
30 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5232695 The complaint Mr G complains that he was misled by NewDay Ltd (trading as ‘Marbles’) into applying for a credit card based on an advertised promotional rate of 0%. All references to ‘NewDay’ will include the trading name of the credit card provider ‘Marbles’. What happened... (4 pages)View decision -
Decision Reference DRN-3992810
28 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3992810 The complaint Mr B complains that NewDay Ltd, trading as Aqua, irresponsibly provided him with a credit card and a limit increase. What happened Mr B took out an Aqua branded credit card in August 2017. The limit was £600 and was increased to £1,600 in July 2020. In summary, Mr... (4 pages)View decision -
Decision Reference DRN-2884288
13 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2884288 The complaint Mr S complains about NewDay Ltd and their decision to approve two separate credit card applications. He’s also unhappy with the credit limit increased applied to one of these accounts. What happened In July 2016, Mr S applied for a credit card with NewDay. I’ll re... (5 pages)View decision -
Decision Reference DRN-5359520
27 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5359520 The complaint Mrs K complains that NewDay Ltd lent irresponsibly when it approved two credit card applications she made and increased the credit limits. What happened Mrs K applied for a Marbles credit card with NewDay in April 2021. In her application Mrs K said she was em... (4 pages)View decision -
Decision Reference DRN3553482
1 Aug 2017 NewDay Ltd UpheldBanking and creditMs G is represented by her brother, Mr G who brings this complaint on her behalf. He thinks that NewDay Ltd trading as Aqua (NewDay) shouldn’t have allowed Ms G to take out a credit card with it – because she is a vulnerable consumer. backgroundIn September 2015, Ms... (3 pages)View decision -
Decision Reference DRN-4776409
14 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4776409 The complaint Mrs M complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit on several occasions. Mrs M also complains that after she raised the irresponsible lending complaint NewDay closed ... (3 pages)View decision -
Decision Reference DRN7152174
6 Apr 2020 NewDay Ltd Not upheldBanking and creditMr I complains that NewDay Ltd defaulted his credit card account and recorded that default on his credit file. backgroundIn April 1996 Mr I took out a credit card with NewDay, although at that time it was issued by a different company, which I’ll refer to here as “D”. In around 2017, Mr I ... (4 pages)View decision
