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 793 results
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Decision Reference DRN6004895
24 Sep 2019 NewDay Ltd Not upheldBanking and creditMr C complains that NewDay Ltd was irresponsible in increasing his limit on his credit card. He feels that this has played a part in the financial difficulties he’s been experiencing.backgroundMr C took out a credit card provided by NewDay in March 2017. His credit limit was £300.NewDay wr... (2 pages)View decision -
Decision Reference DRN-4850509
3 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4850509 The complaint Miss W is complaining about NewDay Ltd because she says it lent irresponsibly when providing her with four different credit cards. What happened After various applications, Miss W opened the following credit card accounts with NewDay: Marbles – application 17 Jan... (5 pages)View decision -
Decision Reference DRN-5164403
26 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5164403 The complaint Mr W has complained about a credit card NewDay Ltd trading as Fluid Credit Card (“NewDay”) provided to him. Mr W says that he shouldn’t have been given the credit card as it was unaffordable for him. What happened In April 2021 NewDay provided Mr W with a cre... (3 pages)View decision -
Decision Reference DRN-3929484
2 Feb 2023 NewDay Ltd UpheldBanking and PaymentsDRN-3929484 The complaint Mrs C complains that NewDay Ltd trading as Aqua (“NewDay”) was irresponsible when it opened a credit card facility for her. What happened NewDay opened a credit card account for Mrs C in January 2020 in with a credit limit of £900. This type of credit was an open-... (3 pages)View decision -
Decision Reference DRN-4928972
25 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4928972 The complaint Miss L complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened The background to this complaint and my initial conclusions were set out in my provisional d... (4 pages)View decision -
Decision Reference DRN-5252229
24 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5252229 The complaint Mr G complains that NewDay lent irresponsibly when it approved three different credit card applications he made and increased the credit limits. What happened Mr G applied for a Debenhams credit card with NewDay in February 2019. In his application, Mr G said ... (4 pages)View decision -
Decision Reference DRN-1708858
9 Jul 2020 NewDay Ltd UpheldBanking and PaymentsDRN-1708858 The complaintMr K has complained NewDay Ltd lent irresponsibility each time it increased his credit limit on his Aqua card. What happenedMr K opened an Aqua credit card account with NewDay in December 2011 with a credit limit of £500. Since the account opened, there have been ... (4 pages)View decision -
Decision Reference DRN-5124716
21 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5124716 The complaint Mr M complains that NewDay Ltd trading as Debenhams lent irresponsibly when it approved his credit card application and later increased his credit limit. Mr M also complains about the interest rates applied to his credit card by NewDay. What happened Mr M appl... (4 pages)View decision -
Decision Reference DRN-5141087
4 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5141087 The complaint Ms H complains that NewDay Ltd trading as Marbles was irresponsible in its lending to her. She wants all interest, fees and charges refunded along with statutory interest and any adverse information removed from her credit file. What happened Ms H was provided ... (4 pages)View decision -
Decision Reference DRN-3515358
26 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3515358 The complaint Mr M complains that NewDay Ltd, trading as Aqua, lent to him irresponsibly. What happened In January 2018 Mr M opened a credit card account with NewDay. He had an initial account limit of £1,200 which was increased to £2,400 in September 2018. Further increases in... (3 pages)View decision
