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-5542581
12 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5542581 The complaint Mr W complains that Vanquis Bank Limited irresponsibly lent to him. Mr W 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 W himself. W... (2 pages)View decision -
Decision Reference DRN-5746013
11 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5746013 The complaint Mr T complains Vanquis Bank Limited are unfairly holding him responsible for a credit card account which he says was opened by someone else without his knowledge or consent. Mr T is represented in this complaint by Mrs T. What happened In September 2022, a Va... (4 pages)View decision -
Decision Reference DRN-5696444
5 Aug 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5696444 The complaint Mr S complains that Vanquis Bank Limited defaulted his loan account without telling him. He also complains that there was a delay in Vanquis sending him a data subject access request (DSAR), and when he did receive it, it didn’t include all of the information i... (3 pages)View decision -
Decision Reference DRN-5734243
4 Aug 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5734243 The complaint Mr D complains about how Vanquis Bank Limited reported information to credit reference agencies in relation to a credit card. What happened Around May 2018 Mr D took out a credit card with Vanquis. Unfortunately, Mr D got into financial difficulty and his acco... (4 pages)View decision -
Decision Reference DRN-5681531
4 Aug 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5681531 Complaint Mr M has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says that the credit card and the subsequent limit increases were unaffordable for him and this resulted in ongoing difficulties. Background Vanquis provided Mr M with a c... (5 pages)View decision -
Decision Reference DRN-5522763
31 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5522763 The complaint Mr W complains that Vanquis Bank Limited irresponsibly lent to him. Mr W 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 W himself. W... (4 pages)View decision -
Decision Reference DRN-5165720
30 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5165720 The complaint Mr S complains Vanquis Bank Limited (“Vanquis”) only asked him to provide source of wealth information once he’d deposited funds in his new savings account. Mr S says Vanquis should have made it clear that it required this from the application stage. What happ... (4 pages)View decision -
Decision Reference DRN-5619462
25 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5619462 The complaint Mr G is unhappy with the way Vanquis Bank Limited dealt with a dispute he raised for a payment he made using his credit card. What happened Mr G bought a screen protector from a shop I’ll call S in January 2025. He said he was meant to pay £10 for it. He said ... (3 pages)View decision -
Decision Reference DRN-5706555
25 Jul 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5706555 The complaint Mr W complains that Vanquis Bank Limited failed to close his credit card account, or reduce his credit limit, when requested. He said this has put him in a difficult financial position. What happened Mr W holds a credit card account with Vanquis. The card has ... (3 pages)View decision -
Decision Reference DRN-5656039
25 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5656039 The complaint Mr L complains about the service he received from Vanquis Bank Limited when he contacted them by telephone to log a disputed transaction claim. What happened On 22 November 2024 Mr L made 4 telephone calls to Vanquis to log a disputed transaction claim. When Mr... (2 pages)View decision