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 1102 results
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Decision Reference DRN-5061829
7 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5061829 The complaint Mr B complains NewDay Ltd trading as Aqua irresponsibly lent to him. Mr B is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr B himself. What happe... (4 pages)View decision -
Decision Reference DRN-5906439
7 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5906439 The complaint Miss W complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Miss 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 Miss ... (5 pages)View decision -
Decision Reference DRN-2710366
13 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2710366 The complaint Mr W has complained that NewDay Ltd (trading as Marbles Card) acted irresponsibly when they increased his Marbles Card limit twice to an unaffordable level. What happened Mr W completed an on-line application for a Marbles Credit Card in August 2017. Marbles appro... (3 pages)View decision -
Decision Reference DRN-3254079
19 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3254079 The complaint Mr D complains that NewDay Ltd trading as Aqua have irresponsibly lent to him. Mr D 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 Mr D hi... (3 pages)View decision -
Decision Reference DRN-6121578
4 Feb 2026 Clydesdale Bank Plc Not upheldBanking and PaymentsDRN-6121578 The complaint Miss A complains Clydesdale Bank Plc trading as Virgin Money (Virgin Money) didn’t sufficiently check she could sustain the repayments for a revolving credit facility. What happened Around March 2025 Miss A made an on-line application for a revolving credit fac... (3 pages)View decision -
Decision Reference DRN-5272851
5 Feb 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5272851 The complaint Mr F complains NewDay Ltd trading as Aqua irresponsibly lent to him. Mr F is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr F himself. What happe... (5 pages)View decision -
Decision Reference DRN-2944276
6 Aug 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2944276 The complaint Mrs W complains that NewDay Ltd trading as Marbles (Marbles) lent to her irresponsibly. What happened Mrs W had a Marbles card since 2003. Between 2013 and 2016, her limit was increased several times: In June 2017, her debt was sold to a debt collection agency. Mr... (4 pages)View decision -
Decision Reference DRN-5118200
5 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5118200 The complaint Mrs M complains that NewDay Ltd (NDay) lent to her irresponsibly. What happened In October 2019, Mrs M applied for a credit card from NDay. It was agreed with a limit of £300. After that, NDay increased her limit as shown: Date Limit October 2019 – new account ... (4 pages)View decision -
Decision Reference DRN-5378305
28 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5378305 The complaint Mr B complains that NewDay Ltd trading as Aqua irresponsibly lent to him. Mr B is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr B himself. What ... (5 pages)View decision -
Decision Reference DRN-5802294
11 Dec 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5802294 The complaint Miss T complains that NewDay Ltd trading as Opus irresponsibly lent to her. What happened Miss T was approved for an Opus credit card in August 2018, with a £300 credit limit. I have detailed the credit limit changes for the card below: December 2018 £300 to £5... (5 pages)View decision