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 DRN3456365
7 Sep 2018 NewDay Ltd Not upheldBanking and creditMr M complains NewDay Ltd (Marbles) unfairly defaulted his account and shared his personal information with a debt collector without his permission. He wants compensation and for the account to be returned from the debt collector.backgroundMr M tells us he made a paymen... (2 pages)View decision -
Decision Reference DRN3809005
16 Apr 2019 NewDay Ltd Not upheldBanking and creditMr S complains that NewDay Ltd (“NewDay”) shouldn’t have increased his credit limit or the interest rates on his credit card as the credit was unaffordable.backgroundMr S’s credit limit, on the credit card supplied by NewDay, was adjusted as follows:date changedold lim... (2 pages)View decision -
Decision Reference DRN-4569546
4 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4569546 The complaint Miss N complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss N was provided with three credit cards by NewDay. An Opus credit card in April 2018 with an initial credit limit of £600 which was then increased on three occasions result... (3 pages)View decision -
Decision Reference DRN-3494300
7 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3494300 The complaint Mr K complains that NewDay Ltd were unreasonable to reject a chargeback claim he made to them. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’ll focus on giving my reasons for my decision. W... (2 pages)View decision -
Decision Reference DRN3768855
10 Dec 2018 NewDay Ltd UpheldBanking and creditMr A complains NewDay Ltd was irresponsible when it increased the credit limit on his Marbles credit card account.backgroundMr A applied for a credit card in April 2017 and declared an annual income of £40,000. His application was approved and he was granted a credit li... (2 pages)View decision -
Decision Reference DRN-5692143
29 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5692143 The complaint X complains that NewDay Ltd were unreasonable to default and terminate his agreement when they knew he was medically incapacitated. He says they failed to follow the correct complaints procedure. What happened The detailed background to this complaint is well k... (3 pages)View decision -
Decision Reference DRN4486166
12 Oct 2015 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Limited, trading as Opus, will not refund four credit card transactions which he says he did not authorise, and has not helped him to try and recover his money from the recipients.backgroundFour transactions totalling just over £400 were debit... (2 pages)View decision -
Decision Reference DRN-4844221
29 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4844221 The complaint X complains about the way in which NewDay Ltd, operating under its Marbles credit card brand, handled her claim after a holiday company provided her with an unsatisfactory holiday package. What happened X is a wheelchair user who travels with a family member; t... (3 pages)View decision -
Decision Reference DRN-3169494
21 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3169494 The complaint Mr T complains that NewDay Ltd (“NewDay”) has refused to refund payments he made to what he believed was a legitimate binary options trading company (Tradorax). These payments were made using Mr T’s NewDay Mastercard credit card. What happened The circumstances o... (4 pages)View decision -
Decision Reference DRN-3718104
21 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3718104 The complaint Mr D complains that NewDay Ltd irresponsibly gave him a credit card account that he couldn’t afford. What happened Mr D took out a credit card whilst he was a student and working part time. Mr D feels he was pressured into taking out the credit. He feels the lendi... (2 pages)View decision