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 1126 results
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Decision Reference DRN-5361409
18 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5361409 The complaint Mr W complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest and charges he has paid refunded along with statutory interest. Mr W is represented by a third party but for ease of reference I have referred to Mr W throug... (3 pages)View decision -
Decision Reference DRN-5404496
18 Mar 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5404496 The complaint Mr S complains that Vanquis Bank Limited was irresponsible in its lending to him. What happened Mr S was provided with a £5,000 loan by Vanquis in November 2022. The loan term was 36 months and Mr S was required to make monthly repayments of around £204. Mr S s... (3 pages)View decision -
Decision Reference DRN-5334148
18 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5334148 The complaint Miss C complains Vanquis Bank Limited (Vanquis) acted irresponsibly when it increased the credit limits on her credit card account and offered her a new credit card following the closure of her first credit card account. What happened Miss C says she took out a... (3 pages)View decision -
Decision Reference DRN-5358868
17 Mar 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5358868 The complaint Miss S complains that Vanquis Bank Limited was irresponsible in its lending to her. What happened Miss S was provided with a £3,000 loan by Vanquis Bank in January 2023. The loan term was 36 months and Miss S was required to make monthly repayments of £120.30. ... (2 pages)View decision -
Decision Reference DRN-5344055
17 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5344055 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr W applied for a credit card with Vanquis in September 2014. In his application, Mr W said he was self employed with an income of £45,000.... (3 pages)View decision -
Decision Reference DRN-5351782
17 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5351782 Complaint Ms B 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 re... (5 pages)View decision -
Decision Reference DRN-5208125
14 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5208125 The complaint Mr H has complained about a credit card he took out in February 2023 with Vanquis Bank Limited. He’s said the credit card was unaffordable and shouldn’t have been approved. What happened Mr H took out this Vanquis credit card account in February 2023 with a cre... (2 pages)View decision -
Decision Reference DRN-5331121
14 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5331121 The complaint Mr R has complained about a credit card he took out in August 2013 with Vanquis Bank Limited. He’s said the credit card was unaffordable and shouldn’t have been approved. What happened Mr R took out this Vanquis credit card account in August 2013 with a credit ... (3 pages)View decision -
Decision Reference DRN-5352057
14 Mar 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5352057 The complaint Mrs T complains that Vanquis Bank Limited gave her incorrect information about the impact of an arrangement to repay her credit card. What happened Mrs T holds a credit card account with Vanquis. On 5 February 2024 Vanquis wrote to Mrs T about an interest rate ... (3 pages)View decision -
Decision Reference DRN-5328052
13 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5328052 The complaint Ms E complains that Vanquis Bank Limited irresponsibly lent to her. Ms E 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 Ms E herself. What happen... (3 pages)View decision
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