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 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-5918535
12 Dec 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5918535 The complaint Miss G complains that NewDay Limited (NewDay) trading as Marbles irresponsibly provided her with credit. What happened NewDay provided Miss G with a credit card in January 2019. The credit provided was £450. It was subsequently increased to £1,200 in July 201... (4 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 -
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-3328328
21 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3328328 The complaint Ms D, through a representative, says NewDay Ltd irresponsibly lent to her. What happened Ms D took out four credit cards from NewDay. A summary of her borrowing follows. card taken out initial limit, £ limit increase new limit, £ 1 Nov-17 450 - - 2 Aug-19 450 Mar-... (3 pages)View decision -
Decision Reference DRN-5908337
14 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5908337 The complaint Mr L complains that NewDay Ltd trading as Marbles closed his account unfairly. What happened Mr L opened a credit card account with NewDay in 2021. In April 2025 Mr L raised an irresponsible lending complaint, as he believed that when he opened the account in 2... (3 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-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-5786879
17 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5786879 The complaint With the help of a professional representative (PR), Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. For ease, I’ll refer to the actions of the PR as being those of Mr S. What happened Mr S applied for and received a credit card with N... (4 pages)View decision