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-5567007
10 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5567007 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr W applied for a Vanquis credit card in February 2014. Mr W gave an income of £24,500 in his applicat... (3 pages)View decision -
Decision Reference DRN-5386361
10 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5386361 The complaint Mr B is complaining that Vanquis Bank Limited lent to him irresponsibly by providing him with, and then increasing the credit limit on, a credit card account. Mr B is represented in his complaint, but for ease I’ve written as if we’ve dealt directly with him. W... (4 pages)View decision -
Decision Reference DRN-5471785
3 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5471785 The complaint Mr S complains Vanquis Bank Limited (“Vanquis”) lent to him irresponsibly. Mr S is represented by a professional third party, but for ease of reference, I’ll mostly refer to Mr S throughout. What happened In February 2019 Mr S applied for a credit card with V... (4 pages)View decision -
Decision Reference DRN-5592845
2 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5592845 The complaint Miss V complains that Vanquis Bank Limited misinformed her about a balance transfer. What happened On 24 February 2025 Miss V requested a balance transfer to her Vanquis credit card for £721.82 via the app. The same day Miss V called Vanquis and requested anoth... (2 pages)View decision -
Decision Reference DRN-5621819
2 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5621819 The complaint Mr P is unhappy with how Vanquis Bank Limited (‘Vanquis’) handled his credit card account and how they reported it to the Credit Reference Agencies (‘CRAs’). Mr P wants all trace of his account with Vanquis removing from his credit file and for further compens... (3 pages)View decision -
Decision Reference DRN-5463274
2 Jul 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5463274 The complaint Mrs W complains Vanquis Bank Limited irresponsibly provided her with an unaffordable credit card. Mrs W’s complaint has been referred to us by a professional representative, but for ease I’ll refer to all submissions as though they are her own. What happened V... (5 pages)View decision -
Decision Reference DRN-5395773
1 Jul 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5395773 The complaint Mrs H complains that Vanquis Bank Limited have irresponsibly lent to her. Mrs H 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 Mrs H herself. Wh... (3 pages)View decision -
Decision Reference DRN-5454992
27 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5454992 The complaint Miss P complains that Vanquis Bank Plc (Vanquis) lent to her irresponsibly. What happened Miss P opened a credit card account with Vanquis on 13 April 2023 with a credit limit of £1,000. On 1 November 2024, Miss P complained to Vanquis with the help of a prof... (3 pages)View decision -
Decision Reference DRN-5627670
27 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5627670 The complaint Miss B complains that Vanquis Bank Limited unfairly reported a default against her, following a period of non-payment towards her credit card. What happened Miss B holds a credit card account with Vanquis. The account was opened in 2023, and it required Miss B... (4 pages)View decision -
Decision Reference DRN-5649848
26 Jun 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5649848 The complaint Mr R is unhappy that Vanquis Bank Limited sold his defaulted account to a debt recovery agency (“DRA”). What happened Mr R had a credit card account with Vanquis. In September 2024, Vanquis defaulted Mr R’s account, with a defaulted outstanding account balance... (2 pages)View decision