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-5375437
10 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5375437 Complaint Mrs T has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty as the repayments r... (6 pages)View decision -
Decision Reference DRN-5236230
7 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5236230 The complaint Mrs A complains that Vanquis Bank Limited did not handle her chargeback request properly. What happened On 10 January 2024 Mrs A bought airline tickets from a travel agent at a cost of £2,249.23. She then discovered that her husband could not travel to the dest... (2 pages)View decision -
Decision Reference DRN-5345701
7 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5345701 Complaint Miss J has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty. Background In Ja... (5 pages)View decision -
Decision Reference DRN-5318182
7 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5318182 The complaint Miss I says Vanquis Bank Limited (‘Vanquis’), irresponsibly lent to her. She says that it didn’t take reasonable steps to ensure she could afford the repayments towards a credit card. And it shouldn’t have provided her with £1,000 of credit without proper check... (4 pages)View decision -
Decision Reference DRN-5377931
6 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5377931 The complaint Mr C complains about the service he received from Vanquis Bank Limited in relation to a credit card account he had with it. What happened Mr C contacted Vanquis on 3 August 2024 to discuss his credit card account. He complains that he was asked security questi... (2 pages)View decision -
Decision Reference DRN-5314803
6 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5314803 The complaint Mr P complains that Vanquis Bank Limited irresponsibly lent to him. Mr P is represented by a solicitors 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 P himself. What happen... (4 pages)View decision -
Decision Reference DRN-5223116
5 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5223116 The complaint Mr J has complained that Vanquis Bank Limited was irresponsible when it offered him a credit card account and later increased his credit limit. Mr J has brought his complaint via a representative but I will refer to him through for simplicity. What happened I... (3 pages)View decision -
Decision Reference DRN-5312854
4 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5312854 The complaint Mr H complains that Vanquis Bank Limited irresponsibly lent to him. Mr H 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 H himself. W... (4 pages)View decision -
Decision Reference DRN-5366500
4 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5366500 The complaint In summary, Mr L complains that Vanquis Bank Limited, provided him with a credit card and credit limit increases that he wasn’t able to afford. In bringing the complaint, Mr L is represented by a business that I will refer to as P. What happened In 2009, Mr L... (5 pages)View decision -
Decision Reference DRN-5309236
4 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5309236 The complaint Ms M complains that Vanquis Bank Limited irresponsibly lent to her. Ms M is represented by a solicitors 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 Ms M herself. What happen... (3 pages)View decision
