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
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Decision Reference DRN-3819107
22 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3819107 The complaint Mr J complains that NewDay Ltd (“NewDay”) irresponsibly granted him two credit card accounts he couldn’t afford to repay. What happened In March 2017 Mr J entered into an agreement with NewDay to have access to credit by way of a Marbles credit card account. He wa... (3 pages)View decision -
Decision Reference DRN-5850229
16 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5850229 The complaint Mr A says NewDay Ltd trading as Marbles (‘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. And NewDay shouldn’t have increased the limits on the card. Mr A’s compl... (4 pages)View decision -
Decision Reference DRN-4755887
3 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4755887 The complaint Mr T complains that NewDay Ltd (‘NewDay’) irresponsibly gave him five credit card accounts that he couldn’t afford. What happened In January 2020, Mr T applied for and was accepted for an Aqua Classic account with an initial credit limit of £450. There followed o... (3 pages)View decision -
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-5682865
3 Nov 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5682865 The complaint Miss D complains NewDay Ltd trading as Aqua (“NewDay”) irresponsibly lent to her. What happened In May 2018 Miss D applied for a credit card with NewDay. The application was accepted and she was provided with an initial limit of £900. The credit limit fluctuat... (3 pages)View decision -
Decision Reference DRN-5954125
17 Nov 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5954125 The complaint Mr C complains that NewDay Ltd irresponsibly lent to him. What happened Mr C was approved for a NewDay branded credit card in June 2021 (which I will refer to as A in this decision) with a £300 credit limit. Mr C was approved for another NewDay branded credit c... (3 pages)View decision