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-4084094
16 May 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4084094 The complaint Mr S complains that NewDay Ltd (“NewDay”) irresponsibly granted him two credit accounts that he says he couldn’t afford to repay. What happened Mr S entered into agreements with NewDay to have access to credit with two separate credit card accounts. The first, an ... (4 pages)View decision -
Decision Reference DRN-5726392
31 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5726392 The complaint Miss A complains NewDay Ltd (“NewDay”) irresponsibly provided her with credit cards and increased her limit when it wasn’t affordable. What happened In May 2022, Miss A applied for a credit card with NewDay (Marbles). The application was accepted, and she was ... (4 pages)View decision -
Decision Reference DRN-5685031
16 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5685031 The complaint Ms N complaints NewDay Ltd trading as Debenhams (“NewDay”) irresponsibly lent to her. What happened In November 2017 Ms N applied for a credit card with NewDay in store. The application was accepted and she was provided with an initial limit of £500. The cred... (4 pages)View decision -
Decision Reference DRN-3571623
25 Jul 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3571623 The complaint Mr P says NewDay Ltd (“NewDay”) irresponsibly lent to him. He has requested that the interest and late payment charges he paid on the account be refunded. What happened This complaint is about a credit card account provided by NewDay to Mr P. The account was opene... (4 pages)View decision -
Decision Reference DRN-5161106
20 Nov 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5161106 The complaint Ms M has complained that NewDay Ltd, trading as Aqua (“NewDay”), irresponsibly granted her a credit card account, and subsequently increased the credit limit, which she couldn’t afford to repay. What happened Ms M took out a credit card with NewDay on 13 April... (4 pages)View decision -
Decision Reference DRN-5731130
2 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5731130 The complaint Mr C says NewDay Ltd trading as Pulse (‘NewDay’), irresponsibly lent to him. He says that it didn’t take reasonable steps to ensure he could afford the repayments towards a credit card. He says that there was a history of cash advances and payment problems with... (4 pages)View decision -
Decision Reference DRN-5297788
27 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5297788 The complaint Mrs O complains that NewDay Ltd irresponsibly lent to her. What happened Mrs O was approved for an NewDay credit card (which I will refer to as A in this decision), in May 2020 with a credit limit of £1,200. I have detailed the credit limit changes below: Octob... (4 pages)View decision -
Decision Reference DRN-3607313
16 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3607313 The complaint Mrs H complains that NewDay Ltd (“NewDay”) irresponsibly granted her four credit accounts that she couldn’t afford to repay. What happened Mrs H entered into agreements with NewDay to have access to credit with four separate credit card accounts. The first, a Debe... (4 pages)View decision -
Decision Reference DRN-5385666
7 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5385666 The complaint Miss L complains NewDay Ltd (NewDay) irresponsibly lent to her because it didn’t carry out reasonable and proportionate checks to ensure the lending was affordable for her. What happened Miss L opened a credit card with NewDay in July 2021 with an initial limi... (4 pages)View decision -
Decision Reference DRN-5507624
9 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5507624 The complaint Mrs P complains NewDay Ltd (NewDay) irresponsibly lent to her because it provided two credit card accounts without completing the appropriate checks to ensure the lending was affordable for her. What happened Mrs P took out two credit cards with NewDay. Accou... (5 pages)View decision
