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 922 results
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Decision Reference DRN4476532
28 Feb 2020 NewDay Ltd Not upheldBanking and creditMr S complains NewDay Ltd (trading as Aqua and Marbles) was irresponsible when it increased the credit limit on his credit card accounts which were unaffordable.backgroundMr S said he’d recently experienced some financial distress and was unable to make full payments on the accounts. He sa... (2 pages)View decision -
Decision Reference DRN-4150059
8 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4150059 The complaint Ms B complains that NewDay Ltd lent to her irresponsibly. What happened In January 2018 Ms B applied for a Marbles Credit card. Marbles approved the application and gave Ms B a card with an initial credit limit of £900. The credit limit was increased to £2400 in J... (3 pages)View decision -
Decision Reference DRN5217574
23 May 2018 NewDay Ltd Not upheldBanking and creditMrs V complains that NewDay Ltd acted irresponsibly in allowing her a credit card with an unaffordable limit.backgroundIn September 2015 Mrs V made an online credit card application to NewDay, which was approved with a limit of £900. Mrs V declared an annual household i... (2 pages)View decision -
Decision Reference DRN-3748450
8 Nov 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3748450 The complaint Miss D 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 D applied for a credit card with Aqua in 2016. It was approved with an initial credit limit of... (3 pages)View decision -
Decision Reference DRN-3176404
23 Nov 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-3176404 The complaint Mr and Mrs R are bringing this complaint on behalf of their late son, M, against NewDay Ltd (NewDay). They believe NewDay acted irresponsibly in giving M a credit card and subsequent credit increase. What happened Mr R said that NewDay agreed a credit for M in Apr... (4 pages)View decision -
Decision Reference DRN-4776409
14 May 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4776409 The complaint Mrs M complains that NewDay Ltd trading as Aqua lent irresponsibly when it approved her credit card application and later increased the credit limit on several occasions. Mrs M also complains that after she raised the irresponsible lending complaint NewDay closed ... (3 pages)View decision -
Decision Reference DRN-3209159
10 Feb 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3209159 The complaint Miss L complains that NewDay Ltd lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss L applied for a credit card with NewDay in September 2013. Miss L told NewDay she was earned £14,000 a year a... (3 pages)View decision -
Decision Reference DRN-5267625
16 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5267625 The complaint Mrs R complains that NewDay Ltd trading as Aquacard (NewDay) was irresponsible to open a credit account for her and to later increase the credit limit. Mrs R has brought her complaint via a representative but I will refer to her throughout for simplicity. Wha... (5 pages)View decision -
Decision Reference DRN-2731330
7 Jul 2021 NewDay Ltd Not upheldBanking and PaymentsDRN-2731330 The complaint Miss B complains that NewDay Ltd irresponsibly lent to her. What happened In April 2017, Miss B took out an Aqua credit card with NewDay. At this time she set out she was employed, declared her income and NewDay was able to see her other outstanding debt from a c... (3 pages)View decision -
Decision Reference DRN-3714916
4 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3714916 The complaint Mr L has complained that NewDay Ltd trading as Marbles irresponsibly lent to him. What happened Mr L opened a credit card account with NewDay (trading as Marbles) in April 2019. His credit limit was £250. In September 2019 it was increased to £1,500 and in Novembe... (2 pages)View decision
