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 1020 results
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Decision Reference DRN-5481534
23 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5481534 The complaint Mrs B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs B applied for an Aqua credit card in August 2018. In her application, Mrs B said he was empl... (3 pages)View decision -
Decision Reference DRN-5722794
29 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5722794 The complaint Miss J complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: Miss J applied for an Aq... (3 pages)View decision -
Decision Reference DRN-5752612
13 Aug 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5752612 The complaint Miss R complains that NewDay Ltd trading as Marbles irresponsibly lent to her. What happened Miss R was approved for a Marbles credit card in September 2020 with a £900 credit limit. The credit limit was increased to £1,900 in June 2021. A final credit limit in... (5 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 -
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-4730846
18 Jun 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4730846 The complaint Mr L, through his professional representative, complains that NewDay Ltd never carried out the right checks before giving him two credit cards and several credit limits increases. What happened Mr L applied on-line for two credit cards with NewDay. The first appli... (4 pages)View decision -
Decision Reference DRN-3369683
5 May 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3369683 The complaint In summary, Mr C has complained that NewDay Ltd trading as Aquacard, provided him with credit limit increases on his credit card, when he wasn’t able to afford them. What happened In March 2012, NewDay provided Mr C with a credit card. The initial credit limit was... (5 pages)View decision -
Decision Reference DRN-3505535
14 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3505535 The complaint Mr A is unhappy that NewDay Ltd, trading as Aqua, closed his account and reported adverse information to his credit file. What happened In February 2021, Mr A explained to NewDay that he’d been involved in an accident such that he was no longer able to work and wh... (4 pages)View decision -
Decision Reference DRN9340911
25 Jul 2019 NewDay Ltd Not upheldBanking and creditMr G complains that NewDay Ltd (trading as Marbles) repeatedly increased his credit limit to levels he could not afford.backgroundMr G has a Marbles credit card with NewDay. NewDay raised his credit limit five times in 2016 and 2017. Mr G complains that NewDay acted irresponsibly when it d... (8 pages)View decision -
Decision Reference DRN-4512640
13 Dec 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4512640 The complaint Miss G complains that NewDay Ltd (trading as Pulse) was irresponsible to approve her credit card applications. What happened Miss G was approved for two credit cards with Pulse as follows: Card Name Date Amount Argos 6 Dec 2019 £900 Pulse 14 Jan 2020 £600 Miss G s... (3 pages)View decision
