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 1102 results
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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-5802052
8 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5802052 The complaint Mr C complains that NewDay Ltd (“NewDay”) lent to him irresponsibly when it provided him with a credit card account and subsequent credit limit increases. What happened Mr C applied for a credit card with NewDay on 6 May 2022. NewDay approved a BIP credit card... (4 pages)View decision -
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-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-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 -
Decision Reference DRN-3751205
18 Oct 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3751205 The complaint Miss C complains that NewDay Ltd trading as Marbles was irresponsible in its lending to her. What happened Miss C was provided with a Marbles branded credit card with an initial credit limit of £250 in July 2021. The credit limit was increased on two occasions: fi... (3 pages)View decision -
Decision Reference DRN-4974386
11 Sep 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4974386 The complaint Ms K complains that NewDay Ltd lent to her irresponsibly when it approved her credit card and later increased the credit limit. What happened Ms K applied for a credit card with NewDay in May 2021.NewDay approved the application and gave Ms K a credit card with... (3 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-5610090
9 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5610090 The complaint Mrs S complains that NewDay Ltd trading as Marbles Card was irresponsible in its lending to her. She wants all interest and charges refunded along with statutory interest and any adverse information removed from her credit file. Mrs S is represented by a third ... (4 pages)View decision -
Decision Reference DRN-5069810
15 Oct 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5069810 The complaint Mr A, through a representative, says NewDay Ltd, trading as Marbles, irresponsibly lent to him. What happened Mr A applied for a credit card from NewDay in August 2017. It was approved with a limit of £900. This was decreased to £600 in November 2017. He was th... (4 pages)View decision