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 1018 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-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-3080646
18 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3080646 The complaint Mr B complains of irresponsible lending by NewDay Ltd trading as Aqua. He would like any further action on his debt to be stopped pending our investigation What happened The details of this complaint are well known to both parties so I won’t repeat them again here... (2 pages)View decision -
Decision Reference DRN-2324110
7 Nov 2020 NewDay Ltd UpheldBanking and PaymentsDRN-2324110 The complaint Miss R complains that lending made to her by NewDay Ltd was irresponsible. What happened Miss R had three credit cards with NewDay. She wanted us to look at all the lending that NewDay had made to her. Miss R applied for the first card in September 2017, a card ca... (4 pages)View decision -
Decision Reference DRN-3437734
19 Apr 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3437734 The complaint Ms S is unhappy that NewDay Ltd is holding her liable for debts she says were taken out in her name without her consent. What happened Between December 2016 and October 2018, five credit card accounts were opened with NewDay in various versions of Ms S’s name usin... (6 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-5318290
30 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5318290 The complaint Miss I complains NewDay Ltd trading as Marbles (NewDay) acted irresponsibly by failing to conduct proportionate checks prior to approving her for lending. She says had they done they would have seen she wasn’t in a position to handle additional credit. What hap... (6 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-4145557
14 Jun 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4145557 The complaint Mr W complains that NewDay Ltd trading as Marbles Card was irresponsible in its lending to him. What happened Mr W was provided with a credit card in September 2020 (card 1) with an initial credit limit of £900. The credit limit was increased on three occasions (M... (3 pages)View decision -
Decision Reference DRN9045126
17 Jul 2017 NewDay Ltd UpheldBanking and creditMr O complains that NewDay Ltd (trading as Aqua) gave him a credit card irresponsibly at a time when he was struggling financially. He also complains the credit limit was increased after a short time and he’s now having difficulty paying off his debts.backgroundMr O ... (2 pages)View decision
