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
-
Decision Reference DRN-4214156
11 Oct 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4214156 The complaint Mr W complains that NewDay Ltd (‘NewDay’) shouldn’t have opened a credit card account for him because it was unaffordable. What happened In 2012 NewDay opened a credit card account for Mr W with an unknown credit limit. In 2013 NewDay increased Mr W’s credit lim... (2 pages)View decision -
Decision Reference DRN-3853300
12 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3853300 The complaint Mrs K says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs K applied for a credit card in April 2020. It was approved with a limit of £1,200 and she was given two subsequent credit limit increases by NewDay. The first increase in August 2... (3 pages)View decision -
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-2412119
27 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2412119 The complaint Mr M complains that NewDay Ltd, trading as Marbles, irresponsibly increased his limit on his credit card, without checking that he could afford it. What happened In 2017, Mr M applied for a Marbles credit card provided by NewDay. It offered him a credit limit of £... (5 pages)View decision -
Decision Reference DRN-4308217
6 Sep 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4308217 The complaint Mrs T, through a representative, says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs T applied for a credit card from NewDay in November 2019. It was approved with a limit of £250. She was then given five credit limit increases as set ou... (3 pages)View decision -
Decision Reference DRN-5785098
16 Jan 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-5785098 The complaint Miss J complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss J was provided with four credit accounts by NewDay the details of which are set out below. BIP account Date Event Amount April 2022 Account opening £450 Aqua account D... (6 pages)View decision -
Decision Reference DRN-5759838
22 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5759838 The complaint Ms K complains that NewDay Ltd trading as Aquacard lent to her irresponsibly. What happened In February 2018, Ms K applied for – and was given – a credit card with NewDay. An Initial credit limit of £450 was agreed. Since then, her limit was amended as follows:... (5 pages)View decision -
Decision Reference DRN-5521942
23 Jun 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5521942 Complaint Mr H has complained about credit cards and the associated credit limit increases which NewDay Ltd (“NewDay”) provided to him. He says the credit cards as well as the limit increases were provided without his circumstances and ability to repay being sufficiently che... (5 pages)View decision -
Decision Reference DRN3768855
10 Dec 2018 NewDay Ltd UpheldBanking and creditMr A complains NewDay Ltd was irresponsible when it increased the credit limit on his Marbles credit card account.backgroundMr A applied for a credit card in April 2017 and declared an annual income of £40,000. His application was approved and he was granted a credit li... (2 pages)View decision -
Decision Reference DRN-5628703
30 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5628703 The complaint Mr C complains that NewDay Ltd trading as Marbles and Fluid (NewDay) acted irresponsibly when agreeing to open two credit card accounts, and to subsequent credit limit increases for one of the credit cards. What happened In July 2020 Mr C applied for a credit c... (4 pages)View decision