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-5696831
21 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5696831 The complaint Mr B complains Vanquis Bank Limited (Vanquis) failed to carry out sufficient financial checks before it approved a credit card account for him. What happened Mr B says Vanquis approved a credit card account in April 2019, with a credit limit of £500. Mr B says ... (3 pages)View decision -
Decision Reference DRN-5640892
20 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5640892 The complaint Mrs R complains Vanquis Bank Limited (Vanquis) failed to carry out sufficient financial checks before it approved a credit card account for her. What happened Mrs R says Vanquis approved a credit card account for her in September 2019, although at that time she... (3 pages)View decision -
Decision Reference DRN-5542503
18 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5542503 The complaint Miss K complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application. What happened Miss K applied for a Vanquis credit card in March 2023. In her application, Miss K said she was employed with a net monthly income of £2,2... (2 pages)View decision -
Decision Reference DRN-5495489
18 Aug 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5495489 The complaint Mr A complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly agreed to lend to him by way of a loan agreement he couldn’t afford to repay. What happened In November 2022, Mr A took out a personal loan in the form of a fixed sum loan agreement with Vanqui... (3 pages)View decision -
Decision Reference DRN-5635553
18 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5635553 The complaint Ms E complains Vanquis Bank Limited (Vanquis) failed to carry out sufficient financial checks before it approved a credit card account for her. What happened Ms E says Vanquis approved a credit card account for her in March 2020 with a credit limit of £250 and ... (3 pages)View decision -
Decision Reference DRN-5619023
15 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5619023 The complaint Mr R complains that Vanquis Bank Limited irresponsibly lent to him. Mr R is represented by a claims management company 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 R himself. W... (4 pages)View decision -
Decision Reference DRN-5663453
13 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5663453 The complaint Mr B complains that Vanquis Bank Limited (‘Vanquis’) unfairly defaulted his credit card account without giving him prior warning. Mr B’s also unhappy that Vanquis took a long time to close his account when he requested this. To put things right Mr B wants the d... (3 pages)View decision -
Decision Reference DRN-5685169
13 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5685169 The complaint Mr T complains Vanquis Bank Limited (Vanquis) failed to carry out sufficient financial checks before it approved a credit card account for him and two subsequent credit limit increases. What happened Mr T says Vanquis approved a credit card account for him in N... (4 pages)View decision -
Decision Reference DRN-5647154
13 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5647154 The complaint Mr K complains that Vanquis Bank Limited won’t refund to him the money that he paid for some car repairs. What happened Mr K says that the engine management warning light came on in his car in September 2023 and a recovery service took him to a nearby garage wh... (3 pages)View decision -
Decision Reference DRN-5748613
12 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5748613 The complaint Mr M has complained about the service received from Vanquis Bank Limited. What happened My provisional decision of 23 July 2025 set out the background to this complaint: “Mr M has made several numbered complaint points about Vanquis that I’ll summarise: • Compl... (6 pages)View decision