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 1226 results
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Decision Reference DRN-5395773
1 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5395773 The complaint Mrs H complains that Vanquis Bank Limited have irresponsibly lent to her. Mrs H is represented by a solicitor’s 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 Mrs H herself. Wh... (3 pages)View decision -
Decision Reference DRN-5454992
27 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5454992 The complaint Miss P complains that Vanquis Bank Plc (Vanquis) lent to her irresponsibly. What happened Miss P opened a credit card account with Vanquis on 13 April 2023 with a credit limit of £1,000. On 1 November 2024, Miss P complained to Vanquis with the help of a prof... (3 pages)View decision -
Decision Reference DRN-5627670
27 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5627670 The complaint Miss B complains that Vanquis Bank Limited unfairly reported a default against her, following a period of non-payment towards her credit card. What happened Miss B holds a credit card account with Vanquis. The account was opened in 2023, and it required Miss B... (4 pages)View decision -
Decision Reference DRN-5649848
26 Jun 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5649848 The complaint Mr R is unhappy that Vanquis Bank Limited sold his defaulted account to a debt recovery agency (“DRA”). What happened Mr R had a credit card account with Vanquis. In September 2024, Vanquis defaulted Mr R’s account, with a defaulted outstanding account balance... (2 pages)View decision -
Decision Reference DRN-5489146
26 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5489146 The complaint Mr B complains that Vanquis Bank Limited lent to him irresponsibly. Mr B is also unhappy that Vanquis recorded the debt as “partially settled” after it was written off. What happened In June 2023, Mr B was provided with a credit card by Vanquis with a limit of... (3 pages)View decision -
Decision Reference DRN-5618858
26 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5618858 The complaint Mr J complains Vanquis Bank Limited (“Vanquis”) lent to him irresponsibly. He said as a result, his credit file has been affected. What happened In January 2022 Mr J applied for a credit card with Vanquis. The application was approved and he was provided with ... (3 pages)View decision -
Decision Reference DRN-5463790
25 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5463790 The complaint Miss M complains Vanquis Bank Limited (“Vanquis”) didn’t carry out adequate affordability assessments both when she applied for an account and when her credit limit was increased multiple times. She’s assisted in bringing this case by legal representatives. Wha... (3 pages)View decision -
Decision Reference DRN-5392088
25 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5392088 The complaint Mrs B complains that Vanquis Bank Limited won’t refund her for goods which she has paid for but which were not delivered. What happened In early July 2024 Mrs B placed an order with a retailer, V, for some clothing. To pay for the order, Mrs B used a credit pro... (2 pages)View decision -
Decision Reference DRN-5639694
24 Jun 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5639694 The complaint Ms O complains Vanquis Bank Limited didn’t do enough to help get a refund for a purchase made on her credit card. What happened In August 2023, Ms O bought a blazer and trousers from an online retailer paying with her Vanquis credit card. When the clothes arr... (4 pages)View decision -
Decision Reference DRN-5512544
23 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5512544 The complaint Mr S complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr S applied for a Vanquis credit card in April 2024. In his application, Mr S said he was retired with... (3 pages)View decision
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