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 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-1399964
5 Mar 2020 NewDay Ltd UpheldBanking and PaymentsDRN-1399964 The complaint Mr L complains about a default that was recorded on his credit file by NewDay Ltd (“NewDay”). What happenedMr L held a credit card account with NewDay. In July 2017 the account fell into arrears and NewDay sent a default notice soon after. That default notice stat... (3 pages)View decision -
Decision Reference DRN8027793
28 Sep 2018 NewDay Ltd UpheldBanking and creditMr C complains that it was irresponsible for NewDay Ltd (NewDay) to give him a credit card and then regularly increase his limit without checking he could afford it. backgroundMr C opened a credit card account with NewDay in late 2013, and was given a credit lim... (3 pages)View decision -
Decision Reference DRN-4446135
25 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4446135 The complaint Mr S complains NewDay Ltd reduced the credit limit on his credit card from £4,500 to £1,100 without notice. What happened Mr S received an email on 14 June 2023 to tell him his credit limit would be reducing. He says he called them up, as although he knew they cou... (2 pages)View decision -
Decision Reference DRN-3992810
28 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3992810 The complaint Mr B complains that NewDay Ltd, trading as Aqua, irresponsibly provided him with a credit card and a limit increase. What happened Mr B took out an Aqua branded credit card in August 2017. The limit was £600 and was increased to £1,600 in July 2020. In summary, Mr... (4 pages)View decision -
Decision Reference DRN9364958
3 May 2018 NewDay Ltd Not upheldBanking and creditMs M complains about an increase to her credit card account limit made by NewDay Ltd.backgroundMs M has a store branded credit card with NewDay. She said that she’s unhappy that NewDay has increased her credit limit from £500 to £650. She said she’s always declin... (2 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 DRN4171523
24 Jan 2019 NewDay Ltd UpheldBanking and creditMr D complains that NewDay Ltd didn’t register a default on his account at the same time as his other creditors. It affected his rating.backgroundMr D had a credit card provided by NewDay. He got into difficulty with his payments. And in August 2010 he entered into a... (2 pages)View decision -
Decision Reference DRN-5232695
30 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5232695 The complaint Mr G complains that he was misled by NewDay Ltd (trading as ‘Marbles’) into applying for a credit card based on an advertised promotional rate of 0%. All references to ‘NewDay’ will include the trading name of the credit card provider ‘Marbles’. What happened... (4 pages)View decision -
Decision Reference DRN-3372047
17 Mar 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3372047 The complaint Mrs T complains that NewDay Ltd trading as Marbles has irresponsibly lent to her. What happened Mrs T applied for a branded NewDay credit card in March 2020 and was accepted for a £900 credit limit. Mrs T complained to NewDay that they had irresponsibly lent to he... (5 pages)View decision