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 DRN-3273241
17 Feb 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3273241 The complaint Mrs A complains that NewDay Cards Ltd (“NewDay”) increased the APR on her card without giving her notice. She says she’s in financial difficulties but that NewDay won’t discuss it with her and that she’s received poor customer service. What happened Mrs A opened a... (2 pages)View decision -
Decision Reference DRN-3102246
23 Dec 2021 NewDay Ltd UpheldConsumer CreditDRN-3102246 The complaint Mr H complains that NewDay Ltd (NewDay) closed his credit card account and charged him interest during payment holidays. What happened Mr H had a marbles loan and credit card from NewDay. The loan was for £2,400 payable over 24 months and was repaid. The credit ca... (3 pages)View decision -
Decision Reference DRN-4433743
18 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4433743 The complaint Mr H is unhappy with how NewDay Ltd trading as Marbles card (“NewDay”) handled a claim he made about a transaction on his credit card. What happened Mr H was purchasing flights with his NewDay credit card on 2 July 2023. Mr H said his computer got hacked and the f... (3 pages)View decision -
Decision Reference DRN5856142
20 May 2015 NewDay Ltd UpheldBanking and creditMiss T complains about the way that NewDay Ltd has handled her account. She wants it to buy back her account and give her compensation.backgroundMiss T has a store card account and set up a direct debit to pay off the minimum amount each month. Her card expired and ... (3 pages)View decision -
Decision Reference DRN-2722735
29 Mar 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2722735 The complaint Miss O is complaining about irresponsible lending by NewDay Ltd. What happened In March 2016, Miss O applied for a credit card with NewDay. Her application was successful and NewDay initially set a £100 credit limit. In June 2016, NewDay increased Miss O’s credit ... (4 pages)View decision -
Decision Reference DRN-5241916
7 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5241916 The complaint Mrs M complains that NewDay Ltd irresponsibly lent to her. What happened Mrs M was approved for an NewDay credit card (which I will refer to as A in this decision), in August 2020 with a credit limit of £500. I have detailed the credit limit changes below: Nove... (5 pages)View decision -
Decision Reference DRN-3332199
22 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3332199 The complaint Miss C says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Miss C applied for a credit card in March 2017. It was approved with a limit of £1,200 and she was given five subsequent credit limit increases by NewDay. The first increase in July ... (3 pages)View decision -
Decision Reference DRN-3134842
4 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3134842 The complaint Miss C is unhappy that NewDay Ltd wouldn’t give her a payment holiday on her account or provide her with the means to enable a cash payment to be made. What happened Miss C contacted NewDay in August 2019 because she was struggling to meet the contractual payments... (3 pages)View decision -
Decision Reference DRN-3789164
7 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3789164 The complaint Mr G complains about arrears information recorded on his credit file by NewDay Ltd. What happened Mr G opened a credit card with NewDay in March 2018. Mr G later experienced some financial difficulties and fell into arrears. Mr G went on to arrange a Debt Manageme... (2 pages)View decision -
Decision Reference DRN-5197681
7 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5197681 The complaint Miss H complains that NewDay Ltd irresponsibly lent to her. Miss H is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss H herself. What ... (4 pages)View decision
