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-5755486
28 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5755486 The complaint Mrs D complains that Vanquis Bank Limited (“Vanquis”) provided credit to her irresponsibly and that the credit was unaffordable. What happened In October 2020 Mrs D applied for and received a credit card from Vanquis. It had an initial limit of £500 which was i... (3 pages)View decision -
Decision Reference DRN-5979209
28 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5979209 The complaint Miss B complains that Vanquis Bank Limited have irresponsibly lent to her. What happened Miss B was approved for a Vanquis credit card in April 2024, with a £1,250 credit limit. Miss B says that this was irresponsibly lent to her. Miss B made a complaint to Van... (3 pages)View decision -
Decision Reference DRN-5947014
27 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5947014 The complaint Mr R complains that Vanquis Bank Limited irresponsibly lent to him. What happened Mr R was approved for a Vanquis credit card in September 2019, with a £500 credit limit. The credit limit was increased a further three times; in January 2020 (£1,000), August 202... (3 pages)View decision -
Decision Reference DRN-5892826
26 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5892826 Complaint Mr S has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says that the credit card was unaffordable and this resulted in ongoing difficulties as he permitted to continue using it even after he had been in persistent debt. Backgr... (4 pages)View decision -
Decision Reference DRN-5987009
23 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5987009 The complaint Mr C complains that Vanquis Bank Limited irresponsibly lent to him. What happened Mr C was approved for a Vanquis credit card in February 2021, with a £1,000 credit limit. The credit limit was increased to £1,750 in April 2022. Mr C says that Vanquis irresponsi... (4 pages)View decision -
Decision Reference DRN-5817776
22 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5817776 The complaint Miss L complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss L was approved for a Vanquis credit card in October 2024, with a £2,000 credit limit. Miss L says that this was irresponsibly lent to her. Miss L made a complaint to Vanqui... (2 pages)View decision -
Decision Reference DRN-5905346
21 Jan 2026 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5905346 The complaint Mr W complains that Vanquis Bank Limited gave incorrect advice which led to a security breach. What happened Mr W received a notification about his Vanquis account, which highlighted a transaction had been attempted. When he called up Vanquis on 1 May 2025, it ... (2 pages)View decision -
Decision Reference DRN-6004189
21 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6004189 The complaint Miss B complains that Vanquis Bank Limited (Vanquis) irresponsibly entered into a credit card agreement with her and increased her credit limit on several occasions. What happened In December 2018, Miss B applied for a credit card with Vanquis. It approved an ... (3 pages)View decision -
Decision Reference DRN-5859280
20 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5859280 The complaint Mr G is unhappy that Vanquis Bank Limited restricted his account and with the service he received surrounding that. What happened On 3 December 2024, at around 3 am, Mr G attempted a purchase using his Vanquis credit account which was flagged by Vanquis’ automa... (3 pages)View decision -
Decision Reference DRN-5863386
15 Jan 2026 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5863386 The complaint Mr H has complained Vanquis Bank Limited is holding him liable for a debt on a credit card account he never took out. What happened A credit card account with Vanquis was opened on 11 February 2025 in Mr H’s name. In May 2025 Mr H contacted Vanquis as he’d lear... (3 pages)View decision