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 2113 results
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Decision Reference DRN7169931
27 Jul 2018 NewDay Ltd Not upheldBanking and creditMr W complains NewDay Ltd has treated him unfairly by applying a default marker on his credit file after he says he did everything that was expected of him to settle the outstanding account. backgroundAs Mr W was experiencing some financial difficulties he approach... (3 pages)View decision -
Decision Reference DRN9473510
5 Aug 2016 NewDay Ltd UpheldBanking and creditMr P complains that NewDay Limited won’t refund to him the money that he paid for some car repairs. His complaint is made against NewDay under section 75 of the Consumer Credit Act 1974. background Mr P’s car had a blown head gasket in April 2015 which was repaired ... (3 pages)View decision -
Decision Reference DRN-3895586
1 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3895586 The complaint Mr S says NewDay Ltd irresponsibly lent to him. What happened This complaint is about two credit card accounts NewDay Ltd provided. The Marbles account was opened in July 2018. Mr S was given an initial credit limit of £1,200. This limit was increased four times u... (3 pages)View decision -
Decision Reference DRN-5480665
24 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5480665 The complaint Mr K is unhappy that NewDay Ltd defaulted his credit account and reported the default to the credit reference agencies. What happened Mr K had a NewDay credit account which was in a position of arrears. On 9 May 2024, NewDay issued a default notice to Mr K, giv... (3 pages)View decision -
Decision Reference DRN-4289051
16 Jan 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4289051 The complaint Mrs S complains that the layout of her statement in relation to a credit card held with NewDay Ltd trading as John Lewis Partnership Credit (“NewDay”) is misleading. What happened Mrs S is unhappy about the layout of her credit card statement. She says that the s... (2 pages)View decision -
Decision Reference DRN-3757746
25 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3757746 The complaint Mr M has complained that NewDay Ltd trading as Aqua irresponsibly lent to him. What happened Mr M opened a credit card account with NewDay (trading as Aqua) in April 2021. His credit limit was £900. In August 2021 it was increased to £1,200. Mr M is represented by... (2 pages)View decision -
Decision Reference DRN-3291649
2 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3291649 The complaint Mrs S is unhappy that NewDay Ltd provided her with a credit account which she feels was unaffordable for her at that time. Mrs S is also unhappy that NewDay increased the credit limit on her account on several occasions, all of which she feels were unaffordable fo... (4 pages)View decision -
Decision Reference DRN-5380881
24 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5380881 The complaint Mr E complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and increased the credit limits. What happened Mr E applied for a Fluid credit card in May 2018. In his application, Mr E said he was employed and had a mon... (3 pages)View decision -
Decision Reference DRN-1042018
4 May 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1042018The complaintMr A complains that NewDay Ltd, trading as marbles (“NewDay”), placed a default on his credit card account after it told him it wouldn’t. Mr A is also unhappy with NewDay’s treatment of him because of his health and financial issues. What happenedMr A missed two pa... (4 pages)View decision -
Decision Reference DRN-3344722
17 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3344722 The complaint Mr B is unhappy that NewDay Ltd approved him for new and further credit, all of which he feels were unaffordable for him at those times. What happened Mr B applied for a NewDay administered credit account in March 2015. His application was successful, and NewDay p... (4 pages)View decision
