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-5489146
26 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5489146 The complaint Mr B complains that Vanquis Bank Limited lent to him irresponsibly. Mr B is also unhappy that Vanquis recorded the debt as “partially settled” after it was written off. What happened In June 2023, Mr B was provided with a credit card by Vanquis with a limit of... (3 pages)View decision -
Decision Reference DRN-5618858
26 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5618858 The complaint Mr J complains Vanquis Bank Limited (“Vanquis”) lent to him irresponsibly. He said as a result, his credit file has been affected. What happened In January 2022 Mr J applied for a credit card with Vanquis. The application was approved and he was provided with ... (3 pages)View decision -
Decision Reference DRN-5463790
25 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5463790 The complaint Miss M complains Vanquis Bank Limited (“Vanquis”) didn’t carry out adequate affordability assessments both when she applied for an account and when her credit limit was increased multiple times. She’s assisted in bringing this case by legal representatives. Wha... (3 pages)View decision -
Decision Reference DRN-5392088
25 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5392088 The complaint Mrs B complains that Vanquis Bank Limited won’t refund her for goods which she has paid for but which were not delivered. What happened In early July 2024 Mrs B placed an order with a retailer, V, for some clothing. To pay for the order, Mrs B used a credit pro... (2 pages)View decision -
Decision Reference DRN-5639694
24 Jun 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5639694 The complaint Ms O complains Vanquis Bank Limited didn’t do enough to help get a refund for a purchase made on her credit card. What happened In August 2023, Ms O bought a blazer and trousers from an online retailer paying with her Vanquis credit card. When the clothes arr... (4 pages)View decision -
Decision Reference DRN-5512544
23 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5512544 The complaint Mr S complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr S applied for a Vanquis credit card in April 2024. In his application, Mr S said he was retired with... (3 pages)View decision -
Decision Reference DRN-5499489
23 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5499489 The complaint Mr M complains Vanquis Bank Limited lent to him irresponsibly when they approved his application for a credit card. What happened Mr M complains Vanquis failed to carry out adequate checks when making the lending decision below: Date Credit limit 22 January 2... (3 pages)View decision -
Decision Reference DRN-5331228
23 Jun 2025 Vanquis Bank Limited UpheldConsumer CreditDRN-5331228 The complaint Ms M complains that Vanquis Bank Limited referred her personal loan to a debt collection agency despite previously telling her she could continue to make payments. What happened In January 2020, Ms M entered a personal loan agreement with Vanquis. The loan was ... (4 pages)View decision -
Decision Reference DRN-5506955
23 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5506955 The complaint Mr M complains Vanquis Bank Limited lent to him irresponsibly when they approved his application for a credit card. What happened Mr M complains Vanquis failed to carry out adequate checks when making the lending decision below: Date Credit limit 29 August 20... (2 pages)View decision -
Decision Reference DRN-5341175
19 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5341175 The complaint Mr M complains Vanquis Bank Limited irresponsibly provided him with an unaffordable credit card account. Mr M’s complaint has been brought by a professional representative, but for ease I’ll refer to all submissions as though they are his own. What happened Va... (3 pages)View decision