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 DRN-3559737
14 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3559737 The complaint Mrs P complains that NewDay Ltd did not register a default to her credit card account at the correct time. I know that when Mrs P applied for her credit card, it was owned by a different business. To keep things simple, I’ll refer mainly to NewDay in this decision... (4 pages)View decision -
Decision Reference DRN-3630737
4 Aug 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3630737 The complaint Mr J complains that NewDay Ltd have irresponsibly lent to him. Mr J is represented by a solicitors firm in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments they have made as being made by Mr J himself. What happened Mr J ... (4 pages)View decision -
Decision Reference DRN-5287014
27 Jan 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5287014 Complaint Mr B has complained about a credit card NewDay Ltd (trading as “Aqua”) provided to him. He says that the credit card and the subsequent limit increases were unaffordable for him and he borrowed from friends, family and other lenders to make his payments. This resul... (6 pages)View decision -
Decision Reference DRN-5669575
7 Jul 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5669575 Complaint Miss T has complained about a credit card and subsequent limit increases that NewDay Ltd (trading as “Marbles”) provided to her. She says that the credit card as well as the limit increases were irresponsibly provided. Background Marbles initially provided Miss T ... (5 pages)View decision -
Decision Reference DRN-3691767
9 Sep 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3691767 The complaint Ms D complains that NewDay Ltd trading as Aqua have irresponsibly lent to her. Ms D 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 Ms D he... (4 pages)View decision -
Decision Reference DRN-4969911
16 Aug 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4969911 The complaint Mr R is being represented by a claims manager. He’s complaining about NewDay Ltd because he says it lent irresponsibly by giving him credit cards he couldn’t afford to repay. What happened In February 2020, Mr R opened a Marbles credit card account with an init... (5 pages)View decision -
Decision Reference DRN-5079109
27 Nov 2024 NewDay Ltd UpheldBanking and PaymentsDRN-5079109 The complaint Mrs G complains that after NewDay Limited had approved a credit card for her, she was given credit limit increases which were too high for her to be able to use and payback. She says she could not afford the credit limit increase amounts. What happened NewDay a... (4 pages)View decision -
Decision Reference DRN-4662346
15 Apr 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4662346 The complaint Miss W complains that NewDay Ltd acted irresponsibly in lending her a credit card account. What happened Miss W took out a credit card with NewDay in September 2018. The initial credit limit was £450. The credit limit was increased several times as follows: Febru... (6 pages)View decision -
Decision Reference DRN-4901088
10 Jul 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4901088 The complaint Mrs L is complaining about NewDay Ltd trading as BIP because she says it lent irresponsibly by providing her a credit card she couldn’t afford and going on to increase the limit several times. What happened In September 2021, following her application, NewDay gave... (5 pages)View decision -
Decision Reference DRN-5814461
17 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5814461 The complaint Miss R complains that NewDay Ltd trading as Fluid lent irresponsibly when it approved her credit card application and later increased the limit. What happened Miss R applied for a Fluid credit card in January 2020. In her application, Miss R said she was emplo... (5 pages)View decision