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 922 results
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Decision Reference DRN-3714916
4 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3714916 The complaint Mr L has complained that NewDay Ltd trading as Marbles irresponsibly lent to him. What happened Mr L opened a credit card account with NewDay (trading as Marbles) in April 2019. His credit limit was £250. In September 2019 it was increased to £1,500 and in Novembe... (2 pages)View decision -
Decision Reference DRN-3818453
21 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3818453 The complaint Miss G complains that NewDay Ltd irresponsibly allowed her to open a credit card account which was unaffordable. What happened Miss G says the NewDay credit card account was opened in 2017 and at the time she was in financial difficulties and debt. She says she co... (2 pages)View decision -
Decision Reference DRN-4404328
13 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4404328 The complaint Miss K says NewDay Ltd, trading as Marbles, irresponsibly lent to her. What happened Miss K applied for a credit card in June 2020. It was approved with a limit of £900. Miss K says NewDay should never have lent to her. She had lots of other debt and defaults. Als... (2 pages)View decision -
Decision Reference DRN-3369027
3 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3369027 The complaint Mr B complains that NewDay Ltd trading as Amazon Card irresponsibly allowed him to open a credit card account which was unaffordable. What happened Mr B says the Amazon Card account was unaffordable and he shouldn’t have been allowed to open the account. He says t... (2 pages)View decision -
Decision Reference DRN-4118915
25 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4118915 The complaint Ms E complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened In August 2021 Ms E applied for a Fluid credit card with NewDay. The application said Ms E was e... (2 pages)View decision -
Decision Reference DRN-3537180
10 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3537180 The complaint Miss S complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved a credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional decision.... (3 pages)View decision -
Decision Reference DRN-5467233
25 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5467233 The complaint Mrs K complains that NewDay Ltd trading as Aqua was irresponsible to open a credit account for her and to later increase the credit limit on several occasions. Mrs K has brought her complaint via a representative but I will refer to her throughout for simplici... (3 pages)View decision -
Decision Reference DRN-5249176
22 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5249176 The complaint Mr G complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and then increased the credit limits. What happened Mr G applied for a Marbles credit card with NewDay in November 2015. In his application, Mr G said he wa... (3 pages)View decision -
Decision Reference DRN-4023089
14 Mar 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4023089 The complaint Mrs J complains that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it offered her a credit facility and later increased her credit limit. What happened NewDay opened a credit card account for Mrs J in December 2020 with a credit limit of £900. Th... (3 pages)View decision -
Decision Reference DRN-4152810
9 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4152810 The complaint Mr M complains that NewDay Ltd trading as Marbles was irresponsible in its lending to him. He wants the default removed from his credit file and a refund of the interest charged on his account. What happened Mr M was provided with a credit card account by NewDay i... (2 pages)View decision
