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-5391376
19 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5391376 The complaint Mrs W complains Vanquis Bank Limited unfairly restricted and closed her credit card account. What happened Mrs W held a Vanquis credit card account. Two electronic payments were made towards the account on 12 July 2024 and 20 July 2024. Both payments resulted ... (3 pages)View decision -
Decision Reference DRN-5561008
18 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5561008 The complaint Mr P complains that Vanquis Bank Limited lent to him irresponsibly. What happened On 4 January 2012, Mr P applied for a credit card with Vanquis. The card was approved with an initial credit limit of £500, which was subsequently increased as follows: Date Cred... (4 pages)View decision -
Decision Reference DRN-5630256
17 Jun 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5630256 The complaint Ms C complains that Vanquis Bank Limited irresponsibly lent to her. Ms C is represented by a solicitors 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 Ms C herself. What happen... (4 pages)View decision -
Decision Reference DRN-5563236
17 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5563236 The complaint Mrs C says Vanquis Bank Limited, irresponsibly lent to her. She says that it didn’t take reasonable steps to ensure she could afford the repayments towards a credit card. She says that her financial situation was precarious when she took the card, and Vanquis s... (3 pages)View decision -
Decision Reference DRN-5620081
12 Jun 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5620081 The complaint Mr R complains that Vanquis Bank Limited irresponsibly lent to him. Mr R 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 R himself. What happe... (4 pages)View decision -
Decision Reference DRN-5584102
11 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5584102 The complaint Mr W complains Vanquis Bank Limited (“Vanquis”) lent him a credit card without an adequate assessment of whether or not he could afford the card. What happened In February 2019, Mr W applied for a credit card with Vanquis. The application was approved and he w... (4 pages)View decision -
Decision Reference DRN-5604198
5 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5604198 Complaint Mrs C 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 C with a credit card with an initial limit of £1,000.00... (3 pages)View decision -
Decision Reference DRN-5593249
3 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5593249 The complaint Mr H complains Vanquis Bank Limited irresponsibly provided him with two unaffordable credit card accounts. Mr H’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 ... (6 pages)View decision -
Decision Reference DRN-5399810
3 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5399810 The complaint Mrs G complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs G applied for a Vanquis credit card in July 2018. In her application, Mrs G said she was employed ... (3 pages)View decision -
Decision Reference DRN-5343768
3 Jun 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5343768 The complaint Miss J complains that Vanquis Bank Limited provided her with a credit card account and increased her credit limit which was unaffordable to her. She has also complained that Vanquis has created an unfair relationship under Section 140 of the Consumer Credit Act... (3 pages)View decision