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-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-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-5975867
22 Dec 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5975867 The complaint Miss H complains that NewDay Ltd trading as Aqua (NewDay) irresponsibly provided her with credit on several occasions, which she could not afford to repay. What happened In February 2020, Miss H applied for a credit card with NewDay. She was given an initial c... (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 -
Decision Reference DRN-5470804
10 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5470804 The complaint Miss F complains that NewDay Ltd have irresponsibly lent to her. What happened Miss F was approved for an NewDay credit card (which I will refer to as A in this decision), in April 2019 with a credit limit of £300. I have detailed the credit limit changes below... (4 pages)View decision -
Decision Reference DRN-5709511
28 Jul 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5709511 Complaint Mrs H has complained that NewDay Ltd (“NewDay”) irresponsibly provided her with credit card accounts. She says that she should never have been provided with two credit cards or such large credit limits. Background Mrs H had two credit card accounts with NewDay. Th... (5 pages)View decision -
Decision Reference DRN-6133771
5 Feb 2026 NewDay Ltd Not upheldBanking and PaymentsDRN-6133771 The complaint Miss C complains that NewDay Ltd trading as Aqua (NewDay) irresponsibly entered into a credit card agreement with her and increased the card limit on several occasions, which she couldn’t afford to repay. What happened In March 2017, Miss C applied for a credi... (4 pages)View decision