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-5706356
24 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5706356 The complaint With the help of a professional representative (PR), Ms B complains that Vanquis Bank Limited lent to her irresponsibly. For ease, I’ll refer to the actions of the PR as being those of Ms B. What happened On 21 November 2012, Ms B opened a credit card account w... (4 pages)View decision -
Decision Reference DRN-5595976
23 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5595976 The complaint Mr P complains Vanquis Bank Limited (Vanquis) failed to carry out sufficient financial checks before it approved a credit card facility for him and subsequently increased the limits on that account. What happened Mr P says Vanquis approved a credit card account... (3 pages)View decision -
Decision Reference DRN-5381195
22 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5381195 The complaint Mr F has complained about a credit card he took out in February 2014 with Vanquis Bank Limited. He’s said the credit card was unaffordable and shouldn’t have been approved. Mr F is represented in bringing his complaint, but for ease I’ve written as if we’ve dea... (6 pages)View decision -
Decision Reference DRN-5641870
22 Jul 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5641870 The complaint Mr R complains Vanquis Bank Limited (Vanquis) didn’t sufficiently check before agreeing to lend to him. In bringing his complaint Mr R is represented by a third party. For ease of reading I will only refer to Mr R in my decision. What happened In August 2023 Va... (3 pages)View decision -
Decision Reference DRN-5597058
21 Jul 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5597058 The complaint Miss A is unhappy with several aspects of the service that she’s received from Vanquis Bank Limited. What happened Miss A has a credit account with Vanquis which has had limited functionality since February 2022. In August 2024, Miss A wanted to make purchases ... (3 pages)View decision -
Decision Reference DRN-5453852
15 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5453852 The complaint Mr M complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the limit. What happened Mr M applied for a Vanquis credit card in March 2014. In his application, Mr M said he was self employed with ... (3 pages)View decision -
Decision Reference DRN-5481597
15 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5481597 The complaint Miss F complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss F was approved for a Vanquis credit card in February 2024 with a £600 credit limit. Miss F says that Vanquis irresponsibly lent to her. Miss F also said that they shouldn’t... (2 pages)View decision -
Decision Reference DRN-5655029
15 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5655029 The complaint Miss M complains that Vanquis Bank Limited registered a default and sold her account to a third party whilst she was on a payment plan. What happened Miss M took out a credit card with Vanquis in June 2014. In June 2017 Miss M contacted Vanquis and explained th... (3 pages)View decision -
Decision Reference DRN-5673671
14 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5673671 Complaint Miss A has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and the subsequent credit limit increases to her. She says that they were unaffordable and shouldn’t have been provided to her. Background Vanquis initially pr... (3 pages)View decision -
Decision Reference DRN-5355236
11 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5355236 The complaint Ms J complains that Vanquis Bank Limited did not reimburse the funds she lost to a scam. What happened Ms J found a video online advertising a company that could train beginners in trading. She went onto the website for the company I’ll refer to as ‘X’, and the... (3 pages)View decision