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 793 results
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Decision Reference DRN-4130939
23 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4130939 The complaint Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened Mr S’s complaint is about three Aqua accounts and a Fluid account. The first Aqua account was opened in December 2016. NewDay gave Mr S a card with an initial credit limit of £... (2 pages)View decision -
Decision Reference DRN4442384
12 Jul 2019 NewDay Ltd UpheldBanking and creditMiss A complains that NewDay Ltd acted irresponsibly in giving her a credit card and then frequently increasing its limit.backgroundI issued my provisional decision on this case on 13 May 2019. A copy of it is attached and it forms part of my final decision. The full background to the comp... (5 pages)View decision -
Decision Reference DRN-3359926
28 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3359926 The complaint Mr L complains NewDay Ltd irresponsibly lent him two credit cards, and a loan. What happened Mr L took out the following: Aqua credit card in May 2015 with an initial limit of £100 Marbles credit card in December 2016 with an initial limit of £600 Marbles loan ... (5 pages)View decision -
Decision Reference DRN3633418
5 Jul 2019 NewDay Ltd UpheldBanking and creditMiss C complains that NewDay Ltd lent her money irresponsibly because it issued her with a credit card when she was unemployed and had existing debt. She wants a refund of all interest she’s paid.backgroundMiss C opened an account with NewDay in January 2014. The account had an initial cre... (2 pages)View decision -
Decision Reference DRN-3574816
30 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3574816 The complaint Mr R complains that NewDay Ltd (“NewDay”), trading as Marbles, irresponsibly granted him credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr R in April 2016. They initially provided a credit limit of £900 but the... (2 pages)View decision -
Decision Reference DRN-5248122
25 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5248122 The complaint Mr P complains that NewDay Ltd was irresponsible in its lending to him. What happened Mr P was provided with a credit card by NewDay in 2019. The credit limit was increased on several occasions between October 2019 and December 2022, with the final credit limit... (4 pages)View decision -
Decision Reference DRN-3841017
5 Dec 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3841017 The complaint Mr S complains that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it increased his credit limit. What happened NewDay opened a credit card account for Mr S in April 2020 with a credit limit of £450. This type of credit was an open-ended or runnin... (4 pages)View decision -
Decision Reference DRN4949041
3 Apr 2018 NewDay Ltd Not upheldBanking and creditMs B complains that NewDay Ltd was irresponsible in increasing the limit on one of her credit cards, and then accepting her application for another one.backgroundMs B has two separate credit cards provided by NewDay. The first was taken out in November 2015 and her cred... (2 pages)View decision -
Decision Reference DRN-3895586
1 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3895586 The complaint Mr S says NewDay Ltd irresponsibly lent to him. What happened This complaint is about two credit card accounts NewDay Ltd provided. The Marbles account was opened in July 2018. Mr S was given an initial credit limit of £1,200. This limit was increased four times u... (3 pages)View decision -
Decision Reference DRN-2955123
18 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2955123 The complaint Mr F complains that NewDay Ltd irresponsibly allowed him to open three credit card accounts which were unaffordable and also increased the credit limit on one of the accounts. What happened Mr F says he opened three NewDay credit card accounts all of which were un... (3 pages)View decision
