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 1373 results
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Decision Reference DRN-6023087
10 Feb 2026 Vanquis Bank Limited UpheldBanking and PaymentsDRN-6023087 The complaint Mr P is unhappy with the guidance provided by Vanquis Bank Limited (Vanquis) when he attempted to transfer funds into his Cash ISA. He is also unhappy with the customer service provided. What happened Shortly before the end of the 2024-2025 tax year, Mr P attem... (3 pages)View decision -
Decision Reference DRN-6065805
9 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6065805 The complaint Mr K has complained Vanquis Bank Limited has placed a default on his credit record for a credit card he never took out. What happened A credit card account with Vanquis was opened on 28 March 2023. At this time Mr K wasn’t in the country and didn’t return the U... (3 pages)View decision -
Decision Reference DRN-5834437
9 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5834437 Complaint Miss C has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty as the repayments... (6 pages)View decision -
Decision Reference DRN-6022430
6 Feb 2026 Vanquis Bank Limited UpheldBanking and PaymentsDRN-6022430 The complaint Mr C is unhappy that Vanquis Bank Limited restricted his credit card account when he tried to make a payment to the account using a different debit card which he hadn’t used before. What happened In July 2024, Mr C tried to make a payment to his Vanquis credit ... (3 pages)View decision -
Decision Reference DRN-5943712
5 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5943712 The complaint Miss B complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application. Miss B also complains about the lack of support provided by Vanquis and failure to recognise she was vulnerable. What happened Miss B applied for a Vanq... (4 pages)View decision -
Decision Reference DRN-5821453
5 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5821453 The complaint Mr H complains that Vanquis Bank Limited lent to him irresponsibly. What happened On 7 December 2017, Mr H applied for a credit card with Vanquis. His application was accepted and he was given a credit limit as follows: Date Event New limit 8 December 2017 Ac... (4 pages)View decision -
Decision Reference DRN-6082157
4 Feb 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6082157 The complaint I’m not upholding this complaint. So, I’m not asking Vanquis Bank Limited to do anything to put things right. I’ll explain why I say that below. Vanquis Bank Limited provided Miss L with a credit card in 2018 with a limit of £1,000. Subsequently the limit was ... (3 pages)View decision -
Decision Reference DRN-5830907
30 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5830907 The complaint Mr K complains that Vanquis Bank Limited unfairly defaulted his credit card and recorded this on his credit file. What happened The parties are familiar with the background of this complaint so I will summarise it here which reflects my informal remit. Mr K hel... (3 pages)View decision -
Decision Reference DRN-6096546
29 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6096546 The complaint Miss A complains Vanquis Bank Limited (“Vanquis”) provided her with a credit card and subsequent increases irresponsibly. What happened In December 2016 Miss A applied for a credit card with Vanquis. The application was approved and Miss A was initially provide... (3 pages)View decision -
Decision Reference DRN-6016090
29 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6016090 The complaint Mr Z has complained that Vanquis Bank Limited were irresponsible when increasing the credit limit on his credit card. What happened Vanquis provided Mr Z with a credit card in March 2022 with a limit of £500 This limit was increased four times over the followin... (3 pages)View decision
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