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-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-5489532
16 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5489532 The complaint Mr F complains that NewDay Ltd irresponsibly lent to him. Mr F is represented by a solicitor’s firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr F himself. What happened Mr F w... (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-3574525
4 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3574525 The complaint Mrs K complains NewDay Ltd (NewDay) irresponsibly increased the credit limits on her three credit card accounts. What happened Mrs K held three credit card accounts with NewDay under different brand names. Mrs K says despite the fact she had been in persistent deb... (4 pages)View decision -
Decision Reference DRN-3689799
20 Sep 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3689799 The complaint Miss B complains that NewDay Ltd trading as Aqua have irresponsibly lent to her. What happened Miss B was accepted for a NewDay branded credit card in February 2020 with a £900 credit limit. This was later increased to £1,650 in August 2020. She says that NewDay i... (4 pages)View decision -
Decision Reference DRN-5197681
7 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5197681 The complaint Miss H complains that NewDay Ltd irresponsibly lent to her. Miss H is represented by a claims management company in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Miss H herself. What ... (4 pages)View decision -
Decision Reference DRN-5525993
2 May 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5525993 The complaint Miss S complains that NewDay Ltd irresponsibly lent to her. What happened Miss S was approved for an NewDay credit card (which I will refer to as A in this decision), in December 2018 with a credit limit of £450. I have detailed the credit limit changes below: ... (5 pages)View decision -
Decision Reference DRN-5241916
7 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5241916 The complaint Mrs M complains that NewDay Ltd irresponsibly lent to her. What happened Mrs M was approved for an NewDay credit card (which I will refer to as A in this decision), in August 2020 with a credit limit of £500. I have detailed the credit limit changes below: Nove... (5 pages)View decision -
Decision Reference DRN-5659501
24 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5659501 The complaint Mrs R complains that NewDay Ltd irresponsibly lent to her. What happened Mrs R was approved for a NewDay branded credit card in September 2022 (which I will refer to as A in this decision), with a £300 credit limit. I have detailed the credit limit increases fo... (4 pages)View decision -
Decision Reference DRN-5382596
17 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5382596 The complaint Miss M complains that NewDay Ltd irresponsibly lent to her. What happened Miss M was approved for a credit card (which I will refer to as A in this decision), in November 2021 with a credit limit of £600. I have detailed the credit limit changes below: March 20... (5 pages)View decision
