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 2568 results
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Decision Reference DRN9802724
31 Jul 2019 NewDay Ltd Not upheldBanking and creditMs K complains about the default that NewDay Limited has recorded on her credit file.backgroundMs K had a credit account with NewDay but she was experiencing financial difficulties so a reduced repayment arrangement was agreed in May 2015 under which she was to make monthly repayments of £... (2 pages)View decision -
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 DRN-3537490
5 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3537490 The complaint Mr M is unhappy with the service NewDay Ltd, trading as Marbles, has provided across three different issues and the resolution it has offered. What happened On 9 December 2021 Mr M made three attempts to withdraw cash using his Marbles credit card. The transaction... (2 pages)View decision -
Decision Reference DRN-5691022
23 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5691022 The complaint Mrs M complains that NewDay Ltd lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs M applied for an Aqua credit card in January 2020. In her application, Mrs M said she was employed with an a... (3 pages)View decision -
Decision Reference DRN-3881212
31 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3881212 The complaint Mrs J complains that NewDay Ltd irresponsibly gave her a credit card account that she couldn’t afford. What happened In March 2020, Mrs J’s Argos credit card was opened by NewDay Ltd with an initial credit limit of £700. The credit limit was increased to £1,450 on... (2 pages)View decision -
Decision Reference DRN-3449484
26 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3449484 The complaint Mr T complains that NewDay Ltd have irresponsibly lent to him. What happened Mr T was approved for two NewDay credit cards which I will refer to as A and B. NewDay increased the credit limits on both cards, which I have detailed below. Card A – approved April 2015... (5 pages)View decision -
Decision Reference DRN-3387662
19 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3387662 The complaint Mr B has complained NewDay Ltd gave him a credit card with subsequent credit limit increases without properly assessing his ability to repay. What happened Mr B applied for a credit card with NewDay in February 2018. NewDay carried out credit checks. As Mr B passe... (3 pages)View decision -
Decision Reference DRN8293693
29 Jan 2016 NewDay Ltd Not upheldBanking and creditMr J complains that NewDay Ltd gave him poor customer service. It misinformed him that if he made a partial payment towards his credit card arrears, it would remove charges and his credit record wouldn’t be affected. He wants an apology and the adverse information re... (2 pages)View decision -
Decision Reference DRN-5672363
25 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5672363 The complaint Mr E complains that NewDay Ltd sent letters regarding his account to an address he never lived at resulting in the account being defaulted and terminated. What happened Mr E held a credit card account with NewDay. In 2020 Mr E experienced financial difficulties... (3 pages)View decision -
Decision Reference DRN-4544205
11 Jan 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4544205 The complaint Mr R complains that NewDay Ltd trading as Fluid hasn’t defaulted his accounts. What happened In April 2019 Mr R entered into a debt management plan. Mr R thinks that NewDay should’ve defaulted both his accounts when he entered the debt management plan. He’s unhapp... (2 pages)View decision