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-3601873
19 Jul 2022 Shop Direct Finance Company Limited Not upheldConsumer CreditDRN-3601873 The complaint Miss S complains that Shop Direct Finance Company Limited (‘Shop Direct’) irresponsibly gave her two running account credit facilities that she couldn’t afford. What happened On 2 December 2017, Miss S applied for a credit account with Shop Direct trading as Littl... (3 pages)View decision -
Decision Reference DRN-2886687
8 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2886687 The complaint Mrs M complains that NewDay Ltd lent irresponsibly when it approved two credit cards and a loan in her name. Mrs M also complains that NewDay increased her credit limit. What happened In August 2017 Mrs M applied for a credit card with Marble. In the application, ... (3 pages)View decision -
Decision Reference DRN0269562
30 May 2019 NewDay Ltd Not upheldBanking and creditMr S complains that NewDay Ltd (trading as Marbles) reduced the credit limit on his credit card without telling him first. Mr S says he needed to pay for car repairs and Marbles’ decision left him in a difficult situation. backgroundMr S has a Marbles credit card and... (2 pages)View decision -
Decision Reference DRN-4501210
5 Mar 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4501210 The complaint Ms C complains that NewDay Ltd (trading as Aqua) was irresponsible to lend to her. What happened Ms C was approved for an Aqua credit card in April 2015, and then six credit limit increases as follows: Date Credit Limit Opening 29 Apr 2015 £250 Increase 1 21 Sep 2... (4 pages)View decision -
Decision Reference DRN-4886209
24 Jul 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4886209 The complaint Mrs F complains that NewDay Ltd trading as Marbles lent irresponsibly when it approved her credit card application and went on to increase her credit limit on various occasions. What happened In November 2017 Mrs F applied for a credit card with Marbles. Mrs F... (3 pages)View decision -
Decision Reference DRN-5771225
10 Oct 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5771225 The complaint Mrs M complains that NewDay Ltd trading as Aqua irresponsibly lent to her. Mrs M 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 Mrs M h... (5 pages)View decision -
Decision Reference DRN-3107341
14 Oct 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3107341 The complaint Miss B complains that NewDay Ltd trading as Fluid have irresponsibly lent to her and have provided poor account management. What happened Miss B applied for a Fluid credit card on 11 December 2019. Fluid accepted her application and issued a credit limit of £900. ... (5 pages)View decision -
Decision Reference DRN-5221641
13 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5221641 The complaint Mrs J complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened Mrs J applied for a credit card with Aqua in May 2022. In the application Mrs J said she was... (3 pages)View decision -
Decision Reference DRN-5501223
2 Sep 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5501223 The complaint Miss S complains that NewDay Ltd irresponsibly lent to her. What happened Miss S was approved for a branded NewDay credit card (which I will refer to as A in this decision) in August 2021, with a £900 credit limit. Miss S was approved for another branded NewDay... (3 pages)View decision -
Decision Reference DRN-5636693
26 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5636693 The complaint Mr G complains that NewDay Ltd irresponsibly lent to him. What happened Mr G was approved for a branded NewDay credit card (which I will refer to as A in this decision) in June 2019, with a £250 credit limit. Mr G was approved for another branded NewDay credit ... (3 pages)View decision
