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-5392808
12 Mar 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5392808 The complaint Mrs H complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I ... (3 pages)View decision -
Decision Reference DRN-5338143
12 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5338143 The complaint Miss C’s complaint relates to a credit card she had with Vanquis Bank Limited. She has said that she considers Vanquis was irresponsible when it accepted her application, and later increased her credit limit, as neither were affordable for her. Miss C is repres... (3 pages)View decision -
Decision Reference DRN-5359849
12 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5359849 Complaint Mr P has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increase should not have been provided to him as they were unaffordable. Background In April 2020, Vanquis provided Mr P with a credit card ... (3 pages)View decision -
Decision Reference DRN-5330554
12 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5330554 The complaint Mr C complains that Vanquis Bank Limited have irresponsibly lent to him. What happened Mr C was approved for a Vanquis credit card in November 2017 with a £250 credit limit. The credit limit was increased to £500 in February 2018, and the credit limit was incre... (3 pages)View decision -
Decision Reference DRN-5301052
12 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5301052 The complaint Mr J complains that Vanquis Bank Limited trading as Vanquis Card irresponsibly lent to him. Mr J 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 ... (3 pages)View decision -
Decision Reference DRN-5341080
12 Mar 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5341080 The complaint Miss I complains Vanquis Bank Limited have unfairly recorded missed payments on her credit file, while she was on a repayment plan. What happened In May 2024, Miss I contacted Vanquis as she was unable to make her minimum monthly repayment towards her credit c... (3 pages)View decision -
Decision Reference DRN-5347078
11 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5347078 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr W applied for a credit card with Vanquis in February 2019. In his application, Mr W said he was empl... (3 pages)View decision -
Decision Reference DRN-5344892
11 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5344892 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 credit card with Vanquis in May 2016. In his application Mr S said he had an income ... (3 pages)View decision -
Decision Reference DRN-5331420
11 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5331420 The complaint Mr H complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and went on to increase the credit limit. What happened Mr H applied for a credit card with Vanquis in May 2014. In his application, Mr H said he was retir... (3 pages)View decision -
Decision Reference DRN-5375955
11 Mar 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5375955 The complaint Mr S complains that Vanquis Bank Limited irresponsibly lent to him on a credit card. What happened Mr S had a credit card with Vanquis. It was originally taken out in 2015 with a credit limit of £500 – the limit was later increased several times, reaching £3,00... (3 pages)View decision
