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 1173 results
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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-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 -
Decision Reference DRN-6023651
20 Jan 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6023651 The complaint Mrs S complains that NewDay Ltd trading as Pulse (“NewDay”) irresponsibly provided her with a credit card and subsequent credit limit increases she couldn’t afford. For ease of reference, I’ve referred to Mrs S when referring to both her and her representative... (5 pages)View decision -
Decision Reference DRN-6111564
4 Mar 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6111564 The complaint Mr O complains that NewDay Ltd trading as Marbles (“NewDay”) irresponsibly lent to him and failed to carry out proper checks before providing him with additional credit. What happened In November 2022 Mr O applied online for a credit card with NewDay. The appl... (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-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