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 1021 results
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Decision Reference DRN-5399841
14 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5399841 The complaint With the help of a professional representative (PR) Mr D complains that NewDay Ltd trading as Aqua lent to him irresponsibly. For ease, I’ll refer to the PR’s actions as being those of Mr D. What happened In November 2021, Mr D applied for – and was given - a c... (3 pages)View decision -
Decision Reference DRN-5222189
24 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5222189 The complaint Mr R complains that NewDay Ltd, trading as Pulse, was irresponsible in lending him a credit card account and in increasing the credit limit. What happened In January 2021 Pulse opened a credit card account for Mr R with a credit limit of £500. It then increased... (3 pages)View decision -
Decision Reference DRN-5659523
10 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5659523 The complaint Ms M complains that NewDay Ltd trading as Marbles irresponsibly lent to her. What happened Ms M was approved for a Marbles credit card in July 2021 with a £250 credit limit. The credit limit was increased to £1,250 in April 2022, and it was increased for a fina... (4 pages)View decision -
Decision Reference DRN-3013115
28 Feb 2022 NewDay Ltd Not upheldConsumer CreditDRN-3013115 Complaint Mr D has complained about a loan NewDay Ltd (trading as “Marbles”) provided to him. He says the loan was given to him when he wasn’t in a position to afford it and at the same time his credit card limit was being increased. Background Mr D also initially complained ab... (2 pages)View decision -
Decision Reference DRN-5838503
24 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5838503 The complaint Miss M complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss M applied for an Aqua credit card in May 2021. In the application, Miss M said she was ear... (4 pages)View decision -
Decision Reference DRN-5457073
15 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5457073 The complaint Mr P complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application. What happened Mr P applied for an Aqua credit card in January 2022. In his application, Mr P said he had an income of £29,000 a year that Aqua calcu... (3 pages)View decision -
Decision Reference DRN-4574987
9 Oct 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4574987 The complaint Ms S has complained about a credit card and subsequent credit limit increases NewDay Ltd trading as Marbles (“Marbles”) provided to her. She says the credit card and credit limit increases were not affordable for her due to her having a lot of other credit. Wh... (4 pages)View decision -
Decision Reference DRN-5512444
2 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5512444 The complaint Ms W complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Ms W applied for a Fluid credit card in July 2020. In her application, Ms W said she was employe... (3 pages)View decision -
Decision Reference DRN-5484708
23 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5484708 The complaint Mr R complains that NewDay Ltd trading as Pulse lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr R applied for a Pulse credit card in October 2018. In his application, Mr R said he was emplo... (3 pages)View decision -
Decision Reference DRN-5441435
23 May 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5441435 The complaint Mr R complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr R applied for an Aqua credit card in February 2020. In his application, Mr R said he was emplo... (3 pages)View decision
