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 DRN5217574
23 May 2018 NewDay Ltd Not upheldBanking and creditMrs V complains that NewDay Ltd acted irresponsibly in allowing her a credit card with an unaffordable limit.backgroundIn September 2015 Mrs V made an online credit card application to NewDay, which was approved with a limit of £900. Mrs V declared an annual household i... (2 pages)View decision -
Decision Reference DRN-2940840
4 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2940840 The complaint Mr C complains that NewDay Ltd irresponsibly allowed him to open two credit card accounts and also increased the credit limits which he says was unaffordable. What happened Mr C opened two NewDay credit card accounts which I will call “M” and “A”. He says the acco... (3 pages)View decision -
Decision Reference DRN1832081
11 Jun 2019 NewDay Ltd Not upheldBanking and creditMr M has complained that NewDay Ltd acted irresponsibly when it allowed him to take out a credit card.backgroundMr M took out a credit card with NewDay in August 2017. He says it shouldn’t have given him a credit card because of his poor credit history and he co... (2 pages)View decision -
Decision Reference DRN-3329021
3 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3329021 The complaint Ms L complains that NewDay Ltd lent irresponsibly when it approved two credit cards and increased the credit limit. What happened In July 2017 Ms L applied for a Marbles branded credit card with NewDay. In the application, Ms L said she was employed and earned £1... (3 pages)View decision -
Decision Reference DRN-5232425
12 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5232425 The complaint Mrs L’s complaint relates to a credit card she has with NewDay Ltd trading as Aquacard. She has said that she considers NewDay was irresponsible when it accepted her application, and later increased her credit limit on several occasions, as none were affordable... (3 pages)View decision -
Decision Reference DRN-3144158
19 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3144158 The complaint Mr C complains that NewDay Ltd was irresponsible in its lending to him. What happened Mr C applied for a credit card with NewDay in February 2017 and received a £600 credit limit. The limit was then increased in August 2018 to £1,200. Mr C says at the time he was ... (2 pages)View decision -
Decision Reference DRN-4974214
11 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4974214 The complaint Mr J complains that NewDay Ltd, trading as Aqua, irresponsibly lent to him. What happened NewDay provided Mr J with a credit card account in April 2020. Initially, his credit limit was set at £450; Mr J’s credit limit was then increased twice, to £1,200 in Aug... (3 pages)View decision -
Decision Reference DRN6500563
19 Feb 2018 NewDay Ltd Not upheldBanking and creditMr M says it was irresponsible of NewDay Ltd to accept his application for a credit card, given his financial circumstances at the time.backgroundMr M applied for a credit card with NewDay in April 2016. NewDay accepted his application and set a credit limit of £450. ... (2 pages)View decision -
Decision Reference DRN-3747831
12 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3747831 The complaint Mr M says NewDay Ltd irresponsibly lent to him. What happened Mr M applied for a credit card with NewDay in 2010 (Card 1), it was approved with a limit of £350. Mr M was given eight subsequent credit limit increases, with a final credit limit of £4,700. Mr M says ... (3 pages)View decision -
Decision Reference DRN-5196463
15 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5196463 The complaint Mrs B complains that NewDay Ltd (trading as Marbles Card) was irresponsible when it offered her credit. What happened NewDay opened a credit card account for Mrs B in early August 2022 with a credit limit of £900. This type of credit was an open-ended or runni... (3 pages)View decision
