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 1089 results
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Decision Reference DRN2152580
8 Oct 2019 NewDay Ltd UpheldBanking and creditComplaintMr A complains that a business NewDay Ltd is responsible for giving him a credit card that was unaffordable. He also feels the business acted irresponsibly by increasing his credit limit.BackgroundMr A took out a credit card with a business I’ll call ‘L’ in 2007 with a credit limi... (3 pages)View decision -
Decision Reference DRN8330716
13 May 2019 NewDay Ltd Not upheldBanking and creditMr R complains that NewDay Ltd (trading as Aqua) irresponsibly gave him a credit card in 2016 given his circumstances and that it subsequently sold his account to a third party. He wants to deal with NewDay not the third party, wants the debt written off and his cred... (2 pages)View decision -
Decision Reference DRN-3076522
22 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3076522 The complaint Ms V complains that NewDay Ltd acted irresponsibly by granting her a credit card. She says the lending was unaffordable for her. What happened In 2015, NewDay granted Ms V a credit card after she’d applied for one online. Ms V later complained that NewDay shouldn’... (3 pages)View decision -
Decision Reference DRN-5421092
24 Mar 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5421092 The complaint Mr H complains that NewDay Ltd trading as Marbles (‘NewDay’) lent to him irresponsibly when they provided him with a credit card and later credit limit increases (‘CLI’). He said NewDay didn’t check that he could repay the balance sustainably. Mr H brought thi... (6 pages)View decision -
Decision Reference DRN-5193420
21 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5193420 The complaint Mr M complains about interest rate increases that NewDay Ltd (‘NewDay’), trading as Debenhams Mastercard, applied to his account. What happened Mr M experienced some difficulty making repayments towards his NewDay credit card account. He was allowed breathing s... (2 pages)View decision -
Decision Reference DRN-4476289
4 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4476289 The complaint Miss F complains that NewDay Ltd irresponsibly provided her with a credit card account she couldn’t afford. She’s also unhappy with the two credit limit increases (CLIs) it subsequently applied to the account. What happened In October 2016 NewDay opened a credit c... (3 pages)View decision -
Decision Reference DRN-3642272
22 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3642272 The complaint Mr S complains that NewDay Ltd irresponsibly gave him a credit card he couldn’t afford to repay. What happened In September 2015, Mr S applied for a credit card with NewDay. He was given an initial credit limit of £250. The limit was increased to £900 in January 2... (2 pages)View decision -
Decision Reference DRN-2915719
8 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2915719 The complaint Mr B complains that NewDay Ltd trading as Aqua lent irresponsibly when it increased his credit limit on several occasions. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. In my provisional decision... (3 pages)View decision -
Decision Reference DRN-5227340
7 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5227340 Complaint Mrs D has complained that NewDay Ltd (trading as “Aqua”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and became unmanageable. Background Aqua initially provided Mrs D with a cr... (4 pages)View decision -
Decision Reference DRN-3651370
31 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3651370 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 In January 2019 Mr R applied for a credit card with Aqua. In his application, Mr R said he was self e... (3 pages)View decision