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 1173 results
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Decision Reference DRN-5183876
14 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5183876 The complaint Mr P complains that NewDay Ltd irresponsibly lent to him. Mr P 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 P himself. What happen... (5 pages)View decision -
Decision Reference DRN-5998969
16 Dec 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5998969 The complaint Mr M complains that NewDay Ltd irresponsibly lent to him. What happened Mr M was approved for a NewDay branded credit card in November 2020 (which I will refer to as A in this decision) with a £300 credit limit. The credit limit on A was increased a further thr... (6 pages)View decision -
Decision Reference DRN-5161333
21 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5161333 The complaint Mrs N complains that NewDay Ltd irresponsibly lent to her. Mrs N 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 N herself. What hap... (8 pages)View decision -
Decision Reference DRN-5931368
6 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5931368 The complaint Mr W complains that NewDay Ltd irresponsibly lent to him. What happened Mr W was approved for a NewDay branded credit card in March 2019 (which I will refer to as A in this decision), with a £900 credit limit. I have detailed the credit limit increases for A be... (6 pages)View decision -
Decision Reference DRN-5621034
13 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5621034 The complaint Mr B complains that NewDay Ltd irresponsibly lent to him. What happened Mr B was approved for an NewDay credit card (which I will refer to as A in this decision), in March 2021 with a credit limit of £450. The credit limit was increased to £1,450 in July 2022. ... (6 pages)View decision -
Decision Reference DRN-5680648
11 Dec 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5680648 The complaint Mr J complains that NewDay irresponsibly provided him with two credit cards and increased the limit on one of the cards. What happened The background is well-known to the parties, so I’ve set out a summary of what I think are the key events. NewDay provided M... (9 pages)View decision -
Decision Reference DRN-2873482
7 Jul 2021 NewDay Ltd UpheldBanking and PaymentsPage 1 of 8The complaint Mr O complains that NewDay Ltd, trading as Aqua and Marbles (NewDay) irresponsibly provided him with two credit cards and limit increases on those cards, which increased his debt. What happened In August 2015, Mr O applied for an Aqua branded credit card with NewDa... (8 pages)View decision -
Decision Reference DRN-1901659
5 Aug 2020 NewDay Ltd Not upheldBanking and PaymentsDRN-1901659 The complaintMiss S complains that NewDay Ltd irresponsibly allowed her to open a credit card account that was unaffordable. What happenedMiss S says she opened the account in 2016 but says NewDay didn't carry out sufficient checks on her income and outgoings. She says she... (2 pages)View decision -
Decision Reference DRN-5477300
18 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5477300 The complaint Mr H complains that NewDay Ltd trading as Newpay lent to him irresponsibly. What happened In December 2019 Mr H applied for a credit card with NewDay. NewDay approved the application and gave Mr H a card with a credit limit of £1500. Mr H complained that NewDay... (3 pages)View decision -
Decision Reference DRN-4198047
6 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4198047 The complaint Mr C complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened In June 2021 Mr C applied for a Aqua credit card. NewDay approved the application and gave Mr C a card with an initial credit limit of £600. The credit limit was increased to £... (3 pages)View decision