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 DRN-5221508
10 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5221508 The complaint Mrs S complains that NewDay Ltd, trading as Aqua (“NewDay”) lent to her irresponsibly when it approved a credit card for her in September 2017 as well as the four subsequent credit limit increases. What happened NewDay approved the card for Mrs S in September 2... (4 pages)View decision -
Decision Reference DRN-4869036
9 Jul 2024 NewDay Ltd Not upheldConsumer CreditDRN-4869036 Complaint Mr S has complained about a credit card NewDay Ltd (“NewDay”) provided to him. He says that he shouldn’t have been given the credit card as it was unaffordable for him. Background NewDay provided Mr S with a credit card with a credit limit of £900 in November 2020. Mr... (3 pages)View decision -
Decision Reference DRN-2804177
24 May 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2804177 The complaint Ms M complains that NewDay Ltd irresponsibly allowed her to open two credit card accounts which were unaffordable. What happened Ms M says she opened two NewDay credit card accounts in 2020. She says the lending was unaffordable and NewDay didn’t carry out any che... (2 pages)View decision -
Decision Reference DRN3532260
21 Mar 2018 NewDay Ltd Not upheldBanking and creditMr N complains that NewDay Ltd lent him money through his credit card account that he couldn’t afford to pay back.backgroundMr N said that he opened a card account with NewDay, but he already had a considerable amount of debt when he applied. Then NewDay increased hi... (2 pages)View decision -
Decision Reference DRN-3579470
15 Jul 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3579470 The complaint Mr O complains that NewDay Ltd (“NewDay”), trading as Aqua, irresponsibly granted him a credit card account that he couldn’t afford to repay. What happened Mr O entered into an agreement with NewDay to have access to credit with an account that was opened for him ... (2 pages)View decision -
Decision Reference DRN-3718104
21 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3718104 The complaint Mr D complains that NewDay Ltd irresponsibly gave him a credit card account that he couldn’t afford. What happened Mr D took out a credit card whilst he was a student and working part time. Mr D feels he was pressured into taking out the credit. He feels the lendi... (2 pages)View decision -
Decision Reference DRN-5036589
23 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5036589 The complaint Miss F says NewDay Ltd irresponsibly lent to her. What happened Miss F took out a credit card from NewDay in November 2018. She was given a £450 limit. This was increased five times to reach £5,600 in October 2021. Miss F says if NewDay had properly checked her... (3 pages)View decision -
Decision Reference DRN-3709445
31 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3709445 The complaint Mr W complains that NewDay Ltd trading as Marbles irresponsibly granted credit that he couldn’t afford to repay. What happened NewDay approved a credit card application for Mr W in June 2021. It provided an initial credit limit of £450. This was increased to £1450... (2 pages)View decision -
Decision Reference DRN-3297572
30 Mar 2022 NewDay Ltd UpheldConsumer CreditDRN-3297572 The complaint Mrs A says NewDay Ltd lent to her irresponsibly. What happened Mrs A took out a 60-month instalment loan for £5,000 from NewDay on 10 December 2018. The monthly repayments were £132.41 and the total repayable was £7,994.74. I understand there is an outstanding bal... (3 pages)View decision -
Decision Reference DRN-5125429
5 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5125429 The complaint Mrs H, through a representative, says NewDay Ltd (trading as Marbles) irresponsibly lent to her. What happened Mrs H took out a credit card from NewDay in September 2021. She was given a £300 credit limit. This was increased three times until it reached £3,000 ... (3 pages)View decision
