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 DRN3550806
20 Oct 2020 NewDay Ltd UpheldBanking and creditMrs W complains on behalf of the estate of Mr W. She says that New Day Ltd (trading as Debenhams Mastercard) irresponsibly provided a credit card facility to her late father. Mrs W also says NewDay provided poor customer service during the complaint process. background In June 2015, NewDay... (3 pages)View decision -
Decision Reference DRN-5119069
20 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5119069 The complaint Mr A complains that NewDay Ltd trading as Aqua lent to him irresponsibly. What happened In December 2017 Mr A applied for a credit card with NewDay. NewDay approved the application and gave Mr A a credit card with an initial credit limit of £900. The credit lim... (3 pages)View decision -
Decision Reference DRN-3473549
20 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3473549 The complaint Mr C has complained that NewDay Ltd trading as Marbles and Aqua irresponsibly lent to him. What happened Mr C opened a credit card account with NewDay (trading as Aqua) in October 2015. His credit limit was initially £300. In July 2016 his credit limit was increas... (3 pages)View decision -
Decision Reference DRN-5423412
25 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5423412 The complaint Mr C 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 Mr C applied for a Marbles credit card in March 2016. In his application, Mr C said he was em... (3 pages)View decision -
Decision Reference DRN-4824600
6 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4824600 The complaint Miss A complains that NewDay Ltd trading as Aqua was irresponsible when it offered her a credit card account and later increased her credit limit. What happened NewDay opened a credit card account for Miss A in March 2020 with a credit limit of £1,200. It increase... (4 pages)View decision -
Decision Reference DRN-4178613
26 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4178613 The complaint Mr P complains that NewDay Ltd trading as NewDay Cards lent to him irresponsibly. What happened In February 2019 Mr P applied for a Debenhams card. NewDay approved the application and gave Mr P a card with an initial credit limit of £500. The credit limit was incr... (3 pages)View decision -
Decision Reference DRN-2274716
3 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2274716 The complaint Mrs C complains that NewDay Ltd trading as Aqua (‘NewDay’) acted irresponsibly when they provided her a credit card in February 2017. Mrs C also complains that NewDay didn’t consider her gambling addiction when offering her the card. What happened Mrs C applied fo... (3 pages)View decision -
Decision Reference DRN-4818168
24 May 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4818168 The complaint Mr R complains that NewDay Ltd was irresponsible to lend to him. What happened Mr R had eight NewDay credit cards as follows: Aqua – opened on 20 October 2014; Burton – opened on 26 June 2016; Topman – opened on 28 June 2016; Marbles – opened on 14 December 20... (3 pages)View decision -
Decision Reference DRN-2689634
19 Mar 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2689634 The complaint Ms Q thinks that NewDay Ltd, trading as Aqua, lent to her irresponsibly when approving her for a credit card and when the credit limit on the card was later increased. What happened Ms Q applied for an Aqua credit card in December 2017. The credit application was ... (4 pages)View decision -
Decision Reference DRN-3854425
14 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3854425 The complaint Miss B complains that NewDay Ltd irresponsibly gave her a credit card account that she couldn’t afford. What happened In December 2016, Miss B’s credit card was opened by NewDay Ltd with an initial credit limit of £300. This credit limit was never increased. In 20... (2 pages)View decision
