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 922 results
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Decision Reference DRN4059760
24 Jun 2019 NewDay Ltd Not upheldBanking and creditMr H complains that NewDay Ltd lent irresponsibly when it gave him a credit card account.backgroundMr H said NewDay accepted his application for a credit card. But he couldn’t afford it. He had a lot of debt and was using payday loans. His account was always at the limit and he was only pa... (2 pages)View decision -
Decision Reference DRN-5691022
23 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5691022 The complaint Mrs M complains that NewDay Ltd lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs M applied for an Aqua credit card in January 2020. In her application, Mrs M said she was employed with an a... (3 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-3081877
19 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3081877 The complaint Miss K complains that NewDay Ltd irresponsibly allowed her to open a credit card account and later increased the credit limits. She says the lending was unaffordable. What happened Miss K says she opened the NewDay credit card account in 2015. She says her credit ... (3 pages)View decision -
Decision Reference DRN-3730397
11 Oct 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3730397 The complaint Mr C complains that NewDay Ltd lent to him irresponsibly. What happened In August 2015 Mr C opened a credit card account with NewDay, trading as Aqua. He had an account limit of £300, which was increased to £1,300 in January 2016 and then to £1,900 in May 2016. In... (3 pages)View decision -
Decision Reference DRN-2707817
19 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2707817 The complaint Mr G complains that NewDay Ltd lent to him irresponsibly through two credit card accounts they gave him. He feels this led to him getting into a spiral of debt and having to go onto a debt management plan. What happened In November 2013 Mr G applied for a credit c... (4 pages)View decision -
Decision Reference DRN-5330015
2 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5330015 The complaint Miss B complains NewDay Ltd lent to her irresponsibly when they approved her application for a credit card. Miss B is represented by a claims management company in this complaint, but I’ll refer to her throughout my decision. What happened Miss B complains Ne... (3 pages)View decision -
Decision Reference DRN-5359520
27 Mar 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5359520 The complaint Mrs K complains that NewDay Ltd lent irresponsibly when it approved two credit card applications she made and increased the credit limits. What happened Mrs K applied for a Marbles credit card with NewDay in April 2021. In her application Mrs K said she was em... (4 pages)View decision -
Decision Reference DRN-3028657
6 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3028657 The complaint Ms M complains that NewDay Ltd (Newday) lent to her irresponsibly and shouldn’t have suspended her Aqua card in November 2020. What happened Ms M applied for an Aqua card in January 2014 and was given a limit of £250. Then, increases were agreed on the Aqua card, ... (4 pages)View decision -
Decision Reference DRN-3782320
1 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3782320 The complaint Miss T complains that NewDay Ltd trading as Marbles (“NewDay”) was irresponsible when it provided her with a credit card. What happened NewDay opened a credit card account for Miss T in May 2018 with a credit limit of £900. This type of credit was an open-ended or... (3 pages)View decision
