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 803 results
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Decision Reference DRN-4450134
16 Feb 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4450134 The complaint Mr H complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened In February 2017, Mr H applied for a credit card with Marbles. In his application, Mr H said he wa... (3 pages)View decision -
Decision Reference DRN-3615902
2 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3615902 The complaint Mr G complains about the way that NewDay Ltd dealt with his applications for credit cards and the dealings with his accounts. What happened Mr G applied for three credit cards with NewDay, along with a number of credit limit increases over the course of three and ... (4 pages)View decision -
Decision Reference DRN-3453613
16 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3453613 The complaint Ms M complains that NewDay Ltd trading as Aqua was irresponsible in its lending to her. What happened Ms M says that had adequate checks been carried out NewDay would have seen that there was a county court judgement recorded on her credit file and it would have r... (3 pages)View decision -
Decision Reference DRN-3064699
17 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3064699 The complaint Mr R complains that NewDay Ltd trading as Marbles irresponsibly allowed him to open a credit card account and later increased the credit limit which were both unaffordable. What happened Mr R says he opened the Marbles account in September 2016. He says the lendin... (2 pages)View decision -
Decision Reference DRN-3040886
10 Sep 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3040886 The complaint Mr C is unhappy that NewDay Ltd authorised him for a credit account with an initial credit limit of £600, and also that his credit limit was later increased to £1,200. What happened Mr C applied for a credit account with NewDay in March 2017. Mr C’s application wa... (5 pages)View decision -
Decision Reference DRN-2426219
22 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2426219 The complaint Ms P is unhappy that NewDay Ltd trading as Aqua (Aqua) provided her with a credit card and increased the limit. She says they lent to her irresponsibly. What happened Ms P opened a credit account with Aqua in December 2012 with an initial credit limit of £250. The... (4 pages)View decision -
Decision Reference DRN0798468
15 May 2020 NewDay Ltd UpheldBanking and creditMiss S is unhappy with the credit limit increases NewDay Ltd applied to her credit card accounts. She thinks this was irresponsible lending. Miss S wants a refund of the interest and charges caused by the credit limit increases. She also wants the defaults for these accounts to be removed ... (4 pages)View decision -
Decision Reference DRN-4316437
12 Oct 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4316437 The complaint In summary, Miss T complains that NewDay Ltd (trading as Aqua Classic), provided her with a credit card and credit limit increases that she wasn’t able to afford. She is also unhappy with it not responding to her complaint. I will refer to NewDay throughout the de... (5 pages)View decision -
Decision Reference DRN4432494
13 Mar 2020 NewDay Ltd UpheldBanking and creditComplaintMr B is unhappy that NewDay Ltd (trading as Aqua) unfairly applied a default to, and then closed, his personal credit card account. This adversely affected his credit score which damaged his business.Background Mr B had an Aqua credit card from NewDay Ltd. He was self-employed, an... (4 pages)View decision -
Decision Reference DRN7495130
1 Feb 2017 NewDay Ltd Not upheldBanking and creditMr F complains that NewDay Ltd (trading as Marbles) was irresponsible to offer him a credit card as he struggling financially. Mr F wants Marbles to write off the outstanding balance and amend his credit file. backgroundMr F took out a Marbles credit card in mid-2015.... (2 pages)View decision
