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 1211 results
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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 -
Decision Reference DRN-5281041
11 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5281041 The complaint Miss O complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss O was approved for a Vanquis credit card in January 2020 with a £250 credit limit. The credit limit was increased to £500 in May 2022, and increased again to £850 in Octobe... (4 pages)View decision -
Decision Reference DRN-5341218
11 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5341218 The complaint Mr W complains that Vanquis Bank Limited was irresponsible in its lending to him. Mr W is represented by a third party but for ease of reference I have referred to Mr W throughout this complaint. What happened Mr W was provided with a Vanquis credit card accoun... (3 pages)View decision -
Decision Reference DRN-5187694
10 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5187694 The complaint Mr N has complained about a credit card he took out in June 2019 with Vanquis Bank Limited. He’s said the credit card was unaffordable and shouldn’t have been approved. Mr N is represented in bringing his complaint, but for ease I’ve written as if we’ve dealt d... (3 pages)View decision -
Decision Reference DRN-5068473
10 Mar 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5068473 The complaint Mrs Q has complained Vanquis Bank Limited never properly responded when she complained about being pursued for repayment of a loan she’d never taken out. What happened After receiving correspondence from a debt collection agency, Mrs Q got in touch with Vanquis... (2 pages)View decision -
Decision Reference DRN-5331507
10 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5331507 The complaint Ms S complains about a credit card agreement she has with Vanquis Bank Limited. More specifically, the way that Vanquis Bank Limited dealt with a claim she submitted under section 75 (s.75) of the Consumer Credit Act (CCA). Vanquis Bank Limited did not uphold h... (3 pages)View decision
