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-2940502
2 Aug 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2940502 The complaint Miss F complains that NewDay Ltd trading as Aqua (Aqua) lent to her irresponsibly. What happened In November 2014, Miss F applied for a credit card from Aqua. She was given a limit of £250. The limits were then increased as follows: Date Limit November 2014 £250 M... (3 pages)View decision -
Decision Reference DRN-5024280
21 Sep 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5024280 The complaint Mrs W complains that NewDay Ltd trading as Aqua irresponsibly allowed her to open a credit card account which was unaffordable and later increased the credit limit without appropriate checks. What happened Mrs W says she opened the Aqua credit card account in M... (3 pages)View decision -
Decision Reference DRN-5836571
23 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5836571 The complaint Miss C complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusion were set out in a provisional dec... (4 pages)View decision -
Decision Reference DRN-5760713
18 Aug 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5760713 The complaint Mr P complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decisi... (4 pages)View decision -
Decision Reference DRN-5182666
16 Dec 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5182666 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and went on to increase the credit limit on several occasions. What happened Mr B applied for a credit card with Aqua in July 2013. Aqua approved the... (3 pages)View decision -
Decision Reference DRN-1975148
17 Feb 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-1975148 The complaint Mr M complains that NewDay Ltd trading as Marbles Card irresponsibly allowed him to open a credit card account that was unaffordable. What happened Mr M says he opened the Marbles account in 2015 and at that time was in significant debt. He says that ought to have... (2 pages)View decision -
Decision Reference DRN-4197855
6 Jul 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4197855 The complaint Mr B complains that NewDay Ltd trading as Marbles Card lent to him irresponsibly. What happened In April 2019 Mr B applied for a credit card. Marbles approved the application and gave Mr B a card with an initial credit limit of £1200. The credit limit was increase... (3 pages)View decision -
Decision Reference DRN-5256041
11 Feb 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5256041 The complaint Miss B says NewDay Ltd trading as BIP (‘BIP’), irresponsibly lent to her. She says that it didn’t take reasonable steps to ensure she could afford the card repayments and it increased her credit limit three times. She says she spent the balance each month and s... (4 pages)View decision -
Decision Reference DRN-5574660
29 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5574660 The complaint Mr H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr H applied for an Aqua credit card in January 2021. In his application, Mr H said he was earning £22,500 that Aqua calculated left h... (2 pages)View decision -
Decision Reference DRN-4443525
13 Dec 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4443525 The complaint Miss H complains that NewDay Ltd (trading as Marbles) was irresponsible to lend to her. What happened Miss H was approved for a Marbles credit card in June 2021, and then two credit limit increases as follows: Date Credit Limit 20 Jun 2021 £900 12 Apr 2022 £1,900 ... (3 pages)View decision