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-5278841
3 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5278841 Complaint Mr R has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increases should not have been provided to him as they were unaffordable. Background In February 2018, Vanquis provided Mr R with a credit c... (3 pages)View decision -
Decision Reference DRN-5290450
3 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5290450 Complaint Mr M has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided him with a credit card. He’s said that that this impacted on his position going forward and caused him ongoing difficulty. Background This complaint is about a credit card Vanquis ini... (3 pages)View decision -
Decision Reference DRN-5184264
31 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5184264 The complaint Mrs B complains that Vanquis Bank Limited lent to her irresponsibly. What happened On 27 March 2015, Mrs B opened a credit card account with Vanquis with an initial £150 credit limit. Over the years, there have been a number of credit limit increases (CLI) as s... (3 pages)View decision -
Decision Reference DRN-5236491
31 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5236491 The complaint Mr C complains that Vanquis Bank Limited (‘Vanquis’), irresponsibly granted him a credit card he couldn’t afford to repay and caused him to get into financial difficulties. What happened In August 2013, Mr C entered into an agreement with Vanquis to have acces... (3 pages)View decision -
Decision Reference DRN-5258296
30 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5258296 The complaint Mr H complains Vanquis Bank Limited (“Vanquis”) undertook a searches on his credit report when he no longer had an account with it. What happened Mr H found a hard search on his credit file by Vanquis dated 7 November 2023. He raised this with Vanquis who uphel... (2 pages)View decision -
Decision Reference DRN-5246846
27 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5246846 The complaint Mr C complains about the way in which Vanquis Bank Limited treated him when he contacted them about the arrears on his account. He’s also unhappy that Vanquis registered a default on his credit file. What happened Mr C holds a credit card account with Vanquis. ... (3 pages)View decision -
Decision Reference DRN-5224278
27 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5224278 Complaint Mr O has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided him with a credit card. He’s said that that this impacted on his position going forward and caused him difficulty. Background This complaint is about a credit card Vanquis initially p... (4 pages)View decision -
Decision Reference DRN-5181379
27 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5181379 Complaint Miss E has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well as a subsequent credit limit increase to her. She says that this credit was unaffordable as it was provided at a time that she was young and on benefits. She’s ... (5 pages)View decision -
Decision Reference DRN-5265947
24 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5265947 The complaint Miss M says Vanquis Bank Limited irresponsibly lent to her. What happened Miss M took out a credit card on 30 January 2019. She was given a £500 credit limit. This was not increased. Miss M says she should not have been given this card; she was a full- time stu... (3 pages)View decision -
Decision Reference DRN-5235704
22 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5235704 The complaint Mr V complains that Vanquis Bank Limited irresponsibly lent to him. Mr V is represented by a solicitor’s 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 V himself. What happe... (2 pages)View decision