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 DRN5638729
21 Mar 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd acted irresponsibly when they approved his application for a second credit card account. To put things right he wants them to refund him the interest and charges that were applied to the account when he later missed some payments.backgroun... (2 pages)View decision -
Decision Reference DRN-5441293
3 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5441293 The complaint Mr W complains that NewDay Ltd (“NewDay”) lent to him irresponsibly when it provided him with a credit card account and subsequent credit limit increases. For ease of reference, I will refer to Mr W when referring to both him and his representative. What happ... (3 pages)View decision -
Decision Reference DRN-5728470
19 Aug 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5728470 The complaint Mr N complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved two credit card applications he made and later increased the credit limit. What happened Mr N applied for a Marbles credit card in November 2017. In his application, Mr N sai... (3 pages)View decision -
Decision Reference DRN1699124
23 Apr 2019 NewDay Ltd Not upheldBanking and creditMr P complains that NewDay Ltd kept increasing his credit card limit even though he couldn’t afford to make the repayments.backgroundMr P tells us that NewDay Ltd increased his credit limit several times. In July 2014 it increased it to £1,000 and he thought that w... (2 pages)View decision -
Decision Reference DRN-2703769
6 Apr 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2703769 The complaint Miss L complains that NewDay Ltd trading as Aqua was irresponsible in offering her a credit card in 2015. She’d like it to write off the balance and to refund all the interest already paid. What happened Miss L applied for an Aqua credit card in September 2015. He... (3 pages)View decision -
Decision Reference DRN-3587403
28 Sep 2022 NewDay Ltd UpheldConsumer CreditDRN-3587403 The complaint Miss K says NewDay Ltd irresponsibly lent to her. She has requested that not only should the interest and late payment charges she paid on the accounts be refunded but she also thinks the debt should be written off. What happened This complaint is about two accoun... (3 pages)View decision -
Decision Reference DRN-6123297
6 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6123297 The complaint NewDay Ltd (‘NewDay’) provided Mr T with a credit card in June 2019. It had a credit limit of £1,200, this was later increased to £1,950 in October 2019 and then to £3,950 in February 2020. Mr T says the credit card was provided irresponsibly. What happened Th... (2 pages)View decision -
Decision Reference DRN-5490107
12 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5490107 The complaint Mrs B complains that NewDay Ltd trading as Marbles and Pulse lent irresponsibly when it approved her credit card applications and increased the credit limit. What happened Mrs B applied for a Marbles credit card with NewDay in May 2017. In her application, Mrs... (3 pages)View decision -
Decision Reference DRN-5660246
15 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5660246 The complaint Mr T complains that NewDay Ltd lent irresponsibly when it approved two credit card applications she made and later increased the credit limits. What happened Mr T applied for an Aqua credit card in February 2022. In his application, Mr T said he was employed w... (4 pages)View decision -
Decision Reference DRN-6236208
1 Apr 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6236208 The complaint Mr S complains that NewDay Limited (“NewDay”) (trading as Fluid) lent to him irresponsibly and that provided was unaffordable. Mr S further complains that NewDay did not provide him with help when he was in financial difficulty. What happened In May 2020 Mr... (5 pages)View decision