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-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 DRN-3369027
3 Aug 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3369027 The complaint Mr B complains that NewDay Ltd trading as Amazon Card irresponsibly allowed him to open a credit card account which was unaffordable. What happened Mr B says the Amazon Card account was unaffordable and he shouldn’t have been allowed to open the account. He says t... (2 pages)View decision -
Decision Reference DRN-5467233
25 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5467233 The complaint Mrs K complains that NewDay Ltd trading as Aqua was irresponsible to open a credit account for her and to later increase the credit limit on several occasions. Mrs K has brought her complaint via a representative but I will refer to her throughout for simplici... (3 pages)View decision -
Decision Reference DRN-6227800
16 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6227800 The complaint Mr R complains that NewDay Ltd trading as Fluid (“NewDay”) lent to him irresponsibly in providing him with a credit card account that he couldn’t afford. For clarity, I’ll only be considering the last credit limit increase as a colleague has already decided th... (3 pages)View decision -
Decision Reference DRN-5249176
22 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5249176 The complaint Mr G complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and then increased the credit limits. What happened Mr G applied for a Marbles credit card with NewDay in November 2015. In his application, Mr G said he wa... (3 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-4404328
13 Nov 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4404328 The complaint Miss K says NewDay Ltd, trading as Marbles, irresponsibly lent to her. What happened Miss K applied for a credit card in June 2020. It was approved with a limit of £900. Miss K says NewDay should never have lent to her. She had lots of other debt and defaults. Als... (2 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-4118915
25 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4118915 The complaint Ms E complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened In August 2021 Ms E applied for a Fluid credit card with NewDay. The application said Ms E was e... (2 pages)View decision -
Decision Reference DRN1994858
9 Oct 2017 NewDay Ltd Not upheldBanking and creditMrs S says NewDay Ltd (trading as Marbles) agreed to increase the credit limit on her credit card but then also increased the APR twice within a short time. She feels this is irresponsible lending and unfair and she’d like the APR reduced back to the original rate.... (2 pages)View decision