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 2553 results
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Decision Reference DRN-5216943
19 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5216943 The complaint Mr C, represented by a third party, complains that NewDay was irresponsible in its lending to him. What happened In April 2017 NewDay provided Mr C with a credit card with an initial limit of £300. The limit was increased on five occasions bringing it to £4,85... (3 pages)View decision -
Decision Reference DRN-3879758
13 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3879758 The complaint Mr S has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr S opened a credit card account with NewDay (trading as Aqua) in April 2018. His credit limit was £250. The limit was never increased. Mr S suggests that NewDay shouldn... (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-5047343
18 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5047343 The complaint Mr B, who is represented by a professional representative (“PR”) complains that NewDay Ltd was irresponsible when it increased the limit on his credit card account. What happened Mr B took out a credit card with NewDay in September 2016 and was granted the foll... (3 pages)View decision -
Decision Reference DRN-5779253
8 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5779253 The complaint Mr S complains about the way NewDay Ltd (‘NewDay’) handled his claim for a refund. What happened In October 2024 Mr S bought a branded coat (the ‘coat’) via a seller operating on an auction e- commerce platform (I’ll refer to the e-commerce platform as ‘E’). He... (3 pages)View decision -
Decision Reference DRN8096531
21 Dec 2018 NewDay Ltd Not upheldBanking and creditMr Y complains that NewDay Ltd (“NewDay”) have refused to enter into a payment arrangement with him. He says this is having an impact on his credit rating.backgroundThis service upheld a complaint by Mr Y in January 2017 and interest and charges on his credit card ... (2 pages)View decision -
Decision Reference DRN-3369027
3 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3369027 The complaint Mr B complains that NewDay Ltd trading as Amazon Card irresponsibly allowed him to open a credit card account which was unaffordable. What happened Mr B says the Amazon Card account was unaffordable and he shouldn’t have been allowed to open the account. He says t... (2 pages)View decision -
Decision Reference DRN9181875
29 Sep 2017 NewDay Ltd Not upheldBanking and creditMr H complains that NewDay Ltd hasn’t reduced the interest rate on his credit card. He also complains that he was charged interest after he’d repaid his balance. backgroundMr H has a credit card with NewDay Ltd which he applied for in 2013. His annual interest rate... (2 pages)View decision -
Decision Reference DRN6068647
18 Jul 2017 NewDay Ltd UpheldBanking and creditMr A complains that NewDay Ltd didn’t treat him correctly when he was experiencing financial difficulties.backgroundIn 2010 Mr A was having difficulties making his contractual repayments. Via his agent he put forward a proposal to NewDay under which he’d pay it less than... (2 pages)View decision -
Decision Reference DRN-3789932
3 Jan 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3789932 The complaint Mrs M complains that NewDay Ltd (“NewDay”) got her account balance wrong and caused distress and inconvenience when pursuing her for a debt. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll... (2 pages)View decision