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-4415349
8 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4415349 The complaint Mr F says NewDay Ltd, trading as Marbles, irresponsibly lent to him. What happened Mr F applied for a credit card in January 2022. It was approved with a limit of £900 and he was given two subsequent credit limit increases. The first was in June 2022 to £1,900 and... (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-6207153
9 Apr 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6207153 The complaint Ms B complains that NewDay Ltd trading as Pulse lent to her irresponsibly. What happened Ms B applied for and was given a credit card with NewDay. The credit limit agreed was as follows: Date Event Credit limit December 2017 Account opening £750May 2018Credit ... (3 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 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 -
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-2609121
26 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2609121 The complaint Mrs F complains that NewDay Ltd, trading as Aqua, acted irresponsibly when it increased the limits on her credit on several occasions. What happened Mrs F had an Aqua credit card which she’d taken out in 2012 with an initial limit of £250. NewDay increased the li... (5 pages)View decision -
Decision Reference DRN-5840928
25 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5840928 The complaint Mr G complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and increased the credit limit on both accounts. What happened The background to this complaint and my initial conclusions were set out in a provisional dec... (5 pages)View decision -
Decision Reference DRN-3941834
25 May 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3941834 The complaint Miss B complains that NewDay Ltd lent to her irresponsibly when it agreed three credit card accounts for her and subsequent credit limit increases which she says were unaffordable for her circumstances. What happened Miss B applied for a credit card account (card ... (3 pages)View decision