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 1021 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-5169556
17 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5169556 The complaint Mrs H complains that NewDay Ltd shouldn’t have given her a credit card and increased the credit limit on the card. She says it acted irresponsibly and should have done more to check she could afford the account. What happened NewDay provided Mrs H with an Aqua ... (3 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-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-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-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-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 -
Decision Reference DRN-5267625
16 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5267625 The complaint Mrs R complains that NewDay Ltd trading as Aquacard (NewDay) was irresponsible to open a credit account for her and to later increase the credit limit. Mrs R has brought her complaint via a representative but I will refer to her throughout for simplicity. Wha... (5 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-3423722
25 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3423722 The complaint Mrs W complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted her credit that she couldn’t afford to repay. What happened NewDay approved a credit card application for Mrs W in November 2017. The credit limit was set at £900 and was never incr... (2 pages)View decision
