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 DRN-2722735
29 Mar 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2722735 The complaint Miss O is complaining about irresponsible lending by NewDay Ltd. What happened In March 2016, Miss O applied for a credit card with NewDay. Her application was successful and NewDay initially set a £100 credit limit. In June 2016, NewDay increased Miss O’s credit ... (4 pages)View decision -
Decision Reference DRN-3669632
26 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3669632 The complaint Mrs H complains that NewDay Ltd provided her with two credit cards and increased the limit on both without adequately checking that she could afford any repayments. What happened Mrs H applied for and was provided with two credit cards by NewDay. The cards and dat... (5 pages)View decision -
Decision Reference DRN-4513873
12 Jan 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4513873 The complaint Mrs C complains that NewDay Ltd was irresponsible in its lending to her. What happened Mrs C holds three accounts with NewDay. She says the accounts were opened without adequate checks and her credit limits increased without a review of her financial situation. Sh... (4 pages)View decision -
Decision Reference DRN-3694009
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3694009 The complaint Mrs T complains that NewDay Ltd irresponsibly lent to her. Mrs T is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mrs T herself. What happened Mrs T a... (4 pages)View decision -
Decision Reference DRN6146769
13 Jun 2018 NewDay Ltd Not upheldBanking and creditMiss B has complained that NewDay Ltd (trading as Aqua) acted irresponsibly when it increased the limit on her credit card and when it allowed her to open a second card at a time when her first card was still open.backgroundMiss B has held four credit cards with Aqu... (2 pages)View decision -
Decision Reference DRN-5097728
15 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5097728 The complaint Miss L has complained that NewDay Ltd acted irresponsibly when it approved her application for a credit card and then subsequently increased the card’s limit multiple times. Background Miss L applied for a credit card with NewDay in September 2017. Her applicat... (3 pages)View decision -
Decision Reference DRN-2839936
28 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2839936 The complaint Ms B complains that NewDay Ltd, trading as Aqua, failed to correct her credit file after it upheld a complaint she brought against it for irresponsible lending. What happened The details of this complaint are well known to both parties, so I won’t repeat them agai... (2 pages)View decision -
Decision Reference DRN-4683033
26 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4683033 The complaint Ms R complains that NewDay Ltd was irresponsible in its lending to her. What happened Ms R was provided with two credit cards by NewDay. A Marbles credit card in March 2021 with an initial credit limit of £900 and a Fluid credit card in May 2022 with an initial cr... (3 pages)View decision -
Decision Reference DRN5469319
23 Jul 2019 NewDay Ltd UpheldBanking and creditMiss M complains that NewDay Ltd (“ND”) trading as Aqua engaged in irresponsible lending to her.backgroundMiss M says in June 2014 she received her credit card from ND with a credit limit of £250. And she says the credit limit was increased to £550 in November 2014, £1,250 in May 2015, £2,... (5 pages)View decision -
Decision Reference DRN-2961166
4 Sep 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2961166 The complaint Mr H complained that NewDay Ltd trading as Marbles lent him money that he couldn’t afford to repay. He wanted NewDay to refund all his payments, with 8% interest, and clear his credit file. What happened Mr H complained to NewDay that the lending it made to him wa... (2 pages)View decision
