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-2176393
14 Oct 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-2176393 The complaint Mr S complains that NewDay Ltd trading as Aqua has unfairly recorded a marker at CIFAS, the national fraud database. What happened Mr S sent NewDay a cheque for £3,100 dated 25 June 2019 to pay to his credit card account. That cheque was returned unpaid. But befor... (3 pages)View decision -
Decision Reference DRN4059760
24 Jun 2019 NewDay Ltd Not upheldBanking and creditMr H complains that NewDay Ltd lent irresponsibly when it gave him a credit card account.backgroundMr H said NewDay accepted his application for a credit card. But he couldn’t afford it. He had a lot of debt and was using payday loans. His account was always at the limit and he was only pa... (2 pages)View decision -
Decision Reference DRN-2691821
17 Mar 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2691821 The complaint Mr F complains about an account he held with NewDay Ltd. What happened On 12 February 2021 I issued my provisional decision on this case. I came to a different outcome to our investigator, and so I wanted to give both parties a chance to respond. I have copied my ... (3 pages)View decision -
Decision Reference DRN-4257621
20 Jul 2023 NewDay Ltd Not upheldConsumer CreditDRN-4257621 The complaint Mr D complains he was irresponsibly provided with unaffordable credit card accounts and credit limit increases by NewDay Ltd. What happened Mr D was provided with two credit card accounts from NewDay under the brands Marbles and Argos. The below table provides the... (5 pages)View decision -
Decision Reference DRN-5470804
10 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5470804 The complaint Miss F complains that NewDay Ltd have irresponsibly lent to her. What happened Miss F was approved for an NewDay credit card (which I will refer to as A in this decision), in April 2019 with a credit limit of £300. I have detailed the credit limit changes below... (4 pages)View decision -
Decision Reference DRN-2953588
2 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2953588 The complaint Mr G complains that by NewDay Ltd increasing his credit limit on his Debenhams card meant the repayments were unaffordable for him. What happened Mr G had two credit cards with NewDay – a Fluid credit card and a Debenhams credit card. In November 2019, NewDay lowe... (5 pages)View decision -
Decision Reference DRN-2412119
27 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2412119 The complaint Mr M complains that NewDay Ltd, trading as Marbles, irresponsibly increased his limit on his credit card, without checking that he could afford it. What happened In 2017, Mr M applied for a Marbles credit card provided by NewDay. It offered him a credit limit of £... (5 pages)View decision -
Decision Reference DRN-4045882
4 Apr 2023 NewDay Ltd UpheldConsumer CreditDRN-4045882 The complaint X complains that NewDay Ltd led her to believe her claim to reject a faulty item of furniture had been accepted. What happened I want to assure X, if I don’t address every point that’s been raised, it’s not because I haven’t thought about it. I have considered eve... (4 pages)View decision -
Decision Reference DRN-5305030
3 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5305030 The complaint Mr S complains that NewDay Ltd erroneously accepted a fraudulent credit card application made in his name without his knowledge or consent, which has caused him financial loss and distress and inconvenience. What happened The background to this complaint is we... (4 pages)View decision -
Decision Reference DRN0089135
25 Aug 2016 NewDay Ltd UpheldBanking and creditMrs A complains that NewDay Ltd. refused to increase her credit limit due to an error in their records.backgroundMrs A said she’d asked NewDay to increase her credit limit several times but was refused and given a variety of generic reasons. It later became clear t... (2 pages)View decision
