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 1020 results
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Decision Reference DRN-3795463
23 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3795463 The complaint Miss S complains that NewDay Ltd trading as Marbles (‘NewDay’) irresponsibly gave her a credit card account and a credit limit increase that she couldn’t afford. What happened In February 2017, Miss S applied for a credit card account with NewDay. She was given an... (2 pages)View decision -
Decision Reference DRN-3525146
20 Jul 2022 NewDay Ltd UpheldBanking and PaymentsPage 1 of 3The complaint Ms C says NewDay Ltd (‘NewDay’) irresponsibly lent to her. What happened This complaint is about a credit card account NewDay provided. The account was opened in November 2015. Ms C was given an initial credit limit of £450. This limit was increased three times unt... (3 pages)View decision -
Decision Reference DRN-3604803
20 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3604803 The complaint Ms Y complains that NewDay Ltd trading as Marbles Card (‘NewDay’) irresponsibly gave her a credit card account that she couldn’t afford. What happened On 1 July 2016, Ms Y applied for a credit account with NewDay. She was given an initial credit limit of £300. The... (3 pages)View decision -
Decision Reference DRN-3425293
29 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3425293 The complaint Miss O says NewDay Ltd trading as Marbles Card irresponsibly lent to her. What happened Miss O’s complaint is about a credit card account provided by NewDay. The account was opened in December 2015. Miss O was given an initial credit limit of £450. This limit was ... (3 pages)View decision -
Decision Reference DRN-3543475
5 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3543475 The complaint Mrs W complains that NewDay Ltd (“NewDay”) irresponsibly granted her three credit card accounts that she couldn’t afford to repay. What happened Mrs W entered into agreements with NewDay to have access to credit with three separate credit card accounts. The first,... (3 pages)View decision -
Decision Reference DRN-3477242
11 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3477242 The complaint Mr M complains that NewDay Ltd (“NewDay”) irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr M in February 2015. They initially provided a credit limit of £250 but in August 2015 they i... (3 pages)View decision -
Decision Reference DRN-3538734
30 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3538734 The complaint Ms P complains that NewDay Ltd (“NewDay”) irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved several credit card applications for Ms P, as follows: Amazon credit card approved April 2018 with an initial credit limit o... (3 pages)View decision -
Decision Reference DRN-5556534
15 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5556534 The complaint Mrs W complains that NewDay Ltd irresponsibly lent to her. Mrs W 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 Mrs W herself. What hap... (3 pages)View decision -
Decision Reference DRN-5636074
26 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5636074 The complaint Mr I says NewDay Ltd trading as Aqua (‘NewDay’), irresponsibly lent to him. He says that it didn’t take reasonable steps to ensure he could afford the repayments towards a credit card. He says that this has led to him having a card that he cannot afford. And th... (3 pages)View decision -
Decision Reference DRN-4078949
11 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4078949 The complaint Miss K complains that NewDay Ltd (“NewDay”) irresponsibly granted her a credit card account she couldn’t afford to repay. What happened Miss K entered into agreements with NewDay to have access to credit with two separate credit card accounts. The first was an Aqu... (3 pages)View decision
