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-5327323
17 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5327323 Complaint Ms M 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 re... (6 pages)View decision -
Decision Reference DRN-5274075
12 Feb 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5274075 The complaint Mr F complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest he has paid on the loan refunded along with 8% statutory interest. What happened Vanquis provided Mr F with a £1,500 loan in May 2022. The agreement had an 1... (3 pages)View decision -
Decision Reference DRN-5289960
10 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5289960 Complaint Mrs M has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says the credit card was unaffordable and so shouldn’t have been provided to her. Background Vanquis provided Mrs M with a credit card with an initial limit of £1,000.00... (2 pages)View decision -
Decision Reference DRN-5175679
7 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5175679 The complaint Mr B, through his representative, complains that Vanquis Bank Limited lent to him irresponsibly by approving a credit card for him in July 2016 and then increasing the credit limits three times from £500 to £3,500 over the following years. Mr B, through his rep... (4 pages)View decision -
Decision Reference DRN-5301721
7 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5301721 The complaint In summary, Miss B complains that Vanquis Bank Limited, provided her with a credit card and credit limit increases that she wasn’t able to afford. What happened In March 2016, Miss B applied for a credit card with Vanquis. The application was approved and a cr... (4 pages)View decision -
Decision Reference DRN-5272556
6 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5272556 The complaint Mr C complains about issues he experienced with his credit card and the service he received from Vanquis Bank Limited when he reported the issues. What happened Mr C holds a credit card account with Vanquis. On 26 August 2024 Mr C experienced issues with his c... (2 pages)View decision -
Decision Reference DRN-5212764
6 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5212764 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-5222137
6 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5222137 The complaint Mr C complains that Vanquis Bank Limited irresponsibly lent to him. What happened Mr C was approved for a Vanquis credit card in January 2023 with a £2,000 credit limit. Mr C says that Vanquis irresponsibly lent to him, especially due to his account management ... (2 pages)View decision -
Decision Reference DRN-5214051
5 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5214051 The complaint Mr R complains that Vanquis Bank Limited lent to him irresponsibly. What happened Vanquis provided Mr R with a credit card account in November 2011. Initially, his credit limit was set at £500; Mr R’s credit limit was then increased four times in the years that... (3 pages)View decision -
Decision Reference DRN-5263776
4 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5263776 The complaint Miss S complains that Vanquis Bank Limited was irresponsible in its lending to her. She wants all interest and charges refunded along with 8% simple interest and any adverse information relating to the account removed from her credit file. Miss S is represented... (3 pages)View decision
