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-5216943
19 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5216943 The complaint Mr C, represented by a third party, complains that NewDay was irresponsible in its lending to him. What happened In April 2017 NewDay provided Mr C with a credit card with an initial limit of £300. The limit was increased on five occasions bringing it to £4,85... (3 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-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 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-2971155
8 Sep 2021 NewDay Ltd Not upheldConsumer CreditDRN-2971155 The complaint Mr S complains that NewDay Ltd made several increases to his credit limit on his Aqua credit card without following the rules of responsible lending. This led to him suffering financial hardship. What happened Mr S opened an Aqua credit card account with NewDay in... (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 DRN6372840
22 Mar 2018 NewDay Ltd UpheldBanking and creditMiss T has complained about irresponsible lending and poor customer service by NewDay Ltd in relation to her Marbles credit card.backgroundMiss T has a credit card account with NewDay. In 2017 she was in financial difficulties and asked StepChange to help her set up a ... (2 pages)View decision -
Decision Reference DRN-5259958
14 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5259958 The complaint Miss C complains that NewDay Ltd trading lent irresponsibly when it approved her credit card applications and went on to increase the credit limits. What happened Miss C successfully applied for an Aqua credit card with NewDay in December 2018. Miss C provided... (4 pages)View decision -
Decision Reference DRN-2309123
2 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2309123 The complaint Mrs E complains that NewDay Ltd (trading as Marbles) raised her credit limit repeatedly when she held a credit card with it. She said this was irresponsible lending. What happened Mrs E said her credit limit had been increased irresponsibly on a card she held with... (3 pages)View decision -
Decision Reference DRN-5625715
4 Dec 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5625715 The complaint NewDay Ltd trading as Aqua provided Miss A with a credit card in 2021. It had a credit limit of £1,200. Miss A says the credit was provided irresponsibly. What happened Miss A complains about NewDay’s lending decisions below: Date Event Credit Limit April 202... (2 pages)View decision