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-3293577
28 Apr 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3293577 The complaint Mr M complains that NewDay Ltd lent irresponsibly when it approved two branded credit cards and went on to increase the credit limits. What happened Mr M opened an Aqua credit card with NewDay in April 2018. In June 2019 Mr M successfully applied for a Debenhams c... (3 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 DRN7480506
6 Jun 2019 NewDay Ltd UpheldBanking and creditMrs N complains that NewDay Ltd irresponsibly lent to her in allowing her a credit card when she was struggling with other debts. She would like them to refund all interest and charges and remove any negative information from her credit file. backgroundIn September 2015, Mrs D applied for ... (3 pages)View decision -
Decision Reference DRN-2803985
10 Jun 2021 NewDay Ltd UpheldBanking and PaymentsDRN-2803985 The complaint Mr T complains that NewDay Ltd (trading as Marbles) irresponsibly increased his credit limit. What happened On 3 July 2015 NewDay approved Mr T’s credit card application, giving him a credit limit of £250. Mr T says he was struggling with other debts and financial... (4 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-3799358
5 Dec 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3799358 The complaint Miss H complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card and increased the credit limit. What happened Miss H applied for a credit card with NewDay in April 2021. NewDay approved the application and gave Miss H a credit... (2 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 DRN-3786800
4 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3786800 The complaint Miss G says NewDay Ltd irresponsibly lent to her. What happened Miss G’s complaint is about a credit card provided by NewDay. The account was opened in May 2020 with an initial credit limit of £1000. There were no further credit limit increases. Miss G complained ... (2 pages)View decision -
Decision Reference DRN-3146913
5 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3146913 The complaint Miss S complains that NewDay Ltd acted irresponsibly by granting her a credit card and increasing her credit limit several times. She says the lending was unaffordable for her. What happened In January 2017, Miss S applied for a credit card with NewDay. Her applic... (5 pages)View decision -
Decision Reference DRN-5506180
26 Aug 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5506180 The complaint Mrs M complains that NewDay Ltd trading as Pulse 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 ... (3 pages)View decision