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-5747828
2 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5747828 The complaint Mr A complains that Vanquis Bank Limited have sent him correspondence requesting payment of the outstanding balance on his account. He’s also unhappy that his account has been passed to a debt collection agency. What happened Mr A holds a credit card account wi... (2 pages)View decision -
Decision Reference DRN-5486360
1 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5486360 The complaint Mrs B complains that Vanquis Bank Limited provided her with an unaffordable credit card. Mrs B’s complaint has been brought by a professional representative, but for ease I’ll refer to all submissions as though they are her own. What happened Vanquis provided ... (4 pages)View decision -
Decision Reference DRN-5775887
1 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5775887 The complaint Ms R complains that Vanquis Bank Limited irresponsibly lent to her. What happened Ms R was approved for a Vanquis credit card in April 2018 with a £500 credit limit. The credit limit was increased to £1,000 in October 2018. Ms R says that this was irresponsibly... (3 pages)View decision -
Decision Reference DRN-5620217
28 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5620217 The complaint Mr M complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr M applied for a Vanquis credit card in July 2012. In his application Mr M said he was employed with ... (3 pages)View decision -
Decision Reference DRN-5747673
27 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5747673 The complaint Mr B complains that Vanquis Bank Limited mis-sold a credit card to him and that it shouldn‘t have opened a credit card account for him. What happened Mr B had had two credit card accounts with Vanquis Bank, one that was opened in July 2014 and was closed in Apr... (4 pages)View decision -
Decision Reference DRN-5648668
27 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5648668 The complaint Mr Y complains that Vanquis Bank Limited (Vanquis) acted irresponsibly in granting him a credit card account, and increasing its limit, as he says it was unaffordable for him. What happened Mr Y took out a credit card with Vanquis in March 2005. The initial cr... (3 pages)View decision -
Decision Reference DRN-5660600
27 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5660600 The complaint Miss V complains Vanquis Bank Limited (Vanquis) failed to carry out sufficient financial checks before it approved a credit card account for her. What happened Miss V says Vanquis approved a credit card account for her in September 2019 with a credit limit of £... (3 pages)View decision -
Decision Reference DRN-5661049
26 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5661049 The complaint Mr M complains that Vanquis Bank Limited irresponsibly lent to him. Mr M 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 Mr M himself. What happe... (4 pages)View decision -
Decision Reference DRN-5745479
22 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5745479 The complaint Miss W is unhappy with how Vanquis Bank Limited treated her in relation to her credit card account after she got into financial difficulty following ill health and a bereavement. What happened Around June 2011 Miss W opened a credit card account with Vanquis. ... (4 pages)View decision -
Decision Reference DRN-5773158
22 Aug 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5773158 The complaint Mrs H complains that Vanquis Bank Limited hasn’t refunded a payment that was taken out of her credit card account. What happened In October 2023, Mrs H hired a car for a few days from a company I’ll refer to as “G”. She gave her Vanquis credit card to G who pre... (5 pages)View decision