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 1021 results
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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-4730674
24 Apr 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4730674 The complaint Mr D says NewDay Ltd irresponsibly lent to him. What happened Between January 2021 and March 2023 Mr D took out four credit cards from NewDay. He complained to the lender in December 2023. It upheld his complaint about the last two cards (cards 3 and 4) that it ga... (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-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-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-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-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-5715511
30 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5715511 The complaint Mr W complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and increased the credit limit on one of the accounts. What happened Mr W applied for a Fluid credit card in January 2019. In his application, Mr W said he ... (3 pages)View decision -
Decision Reference DRN-5047877
23 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5047877 The complaint Mr T complains, through his representative, that NewDay Limited lent to him by approving a card he could not afford to pay off. Mr T says it lent irresponsibly when it increased his credit limits. He wants all interest, fees, and charges plus 8% interest refund... (4 pages)View decision -
Decision Reference DRN-5217407
20 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5217407 The complaint Miss G, represented by a third party, complains that NewDay Ltd was irresponsible in its lending to her. What happened In February 2022 NewDay provided Miss G with a credit card with an initial limit of £1,200. The limit was increased to £1,500 in December 202... (3 pages)View decision
