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 DRN2911171
10 Sep 2019 NewDay Ltd UpheldBanking and creditMr N complains that NewDay Ltd was irresponsible when it gave him a credit card, and then some months later increased the amount he was able to borrow. He says although he’s paid the debt back, he wants NewDay to remove any mention of the arrangement he had to make to repay the debt.backgr... (3 pages)View decision -
Decision Reference DRN-3102246
23 Dec 2021 NewDay Ltd UpheldConsumer CreditDRN-3102246 The complaint Mr H complains that NewDay Ltd (NewDay) closed his credit card account and charged him interest during payment holidays. What happened Mr H had a marbles loan and credit card from NewDay. The loan was for £2,400 payable over 24 months and was repaid. The credit ca... (3 pages)View decision -
Decision Reference DRN-3331952
22 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3331952 The complaint Ms R, through a representative, says NewDay Ltd irresponsibly lent to her. What happened Ms R took out a credit card from NewDay in October 2016, she was given a credit limit of £250. In October 2017 NewDay increased this to £500. Ms R says the lending was never a... (3 pages)View decision -
Decision Reference DRN-3300026
24 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3300026 The complaint Ms S has complained that NewDay Ltd irresponsibly lent to her. What happened Ms S opened an Aqua credit card account with NewDay in December 2020. Her credit limit was set at £900. Ms S, through her representative, says that NewDay shouldn’t have allowed her to op... (2 pages)View decision -
Decision Reference DRN-5772430
26 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5772430 The complaint Miss T complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved two credit card applications she made and increased the limit on one of the accounts. What happened Miss T first applied for an Aqua credit card in May 2014 (card 1). The appl... (3 pages)View decision -
Decision Reference DRN-5885347
23 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5885347 The complaint Miss S complains that NewDay Ltd, trading as Marbles, lent to her irresponsibly. What happened Miss S held a credit card with NewDay; I’ve set out the lending history below: Date Event Limit (£) 1 August 2021 Account opened £25012 August 2022 Credit Limit Inc... (4 pages)View decision -
Decision Reference DRN1131807
4 Dec 2018 NewDay Ltd Not upheldBanking and creditMr B complains that NewDay Ltd (trading as Aqua and Marbles) was irresponsible to increase his credit limit and to provide him with a new credit card at a time when he was experiencing financial difficulties.backgroundMr B had an Aqua credit card. He says that in 2016 ... (2 pages)View decision -
Decision Reference DRN-2382680
24 Dec 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2382680 The complaint Mr H complains that NewDay Ltd, trading as Aqua, was irresponsible when it gave him his credit cards. What happened Mr H successfully applied for a credit card with NewDay in 2013 with a credit limit of £250. Later that year his credit limit increased to £1,050. I... (3 pages)View decision -
Decision Reference DRN-5802244
2 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5802244 The complaint The estate of Ms C complains that NewDay Ltd trading as Debenhams irresponsibly provided Ms C with an unaffordable credit account. What happened NewDay provided the late Ms C with a catalogue shopping account in December 2014 with a £10,000 limit. NewDay has sa... (5 pages)View decision -
Decision Reference DRN1409848
22 Jun 2017 NewDay Ltd Not upheldBanking and creditMiss M complains about irresponsible lending by NewDay Ltd. She feels it should have refused her application for a credit card. And not raised the limit on the card without her asking. She wants charges and interest repaid.backgroundMiss M tells us that she first obt... (2 pages)View decision