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-5432711
30 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5432711 The complaint Mr M complains that Vanquis Bank Limited irresponsibly lent to him. Mr M is represented by a claims management company 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 M himself. W... (3 pages)View decision -
Decision Reference DRN-5559795
29 May 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5559795 The complaint Miss A complains that Vanquis Bank Limited (‘Vanquis’) misinformed her regarding her credit card account, and set up a direct debit to collect her minimum payments too late. Miss A’s unhappy that this resulted in negative information being recorded on her cred... (3 pages)View decision -
Decision Reference DRN-4870500
29 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4870500 The complaint Mr N complains that Vanquis Bank Limited suspended his credit card without warning, which resulted in payments being declined and returned direct debits. What happened Mr N holds a credit card account with Vanquis. In January 2024 Vanquis deactivated Mr N’s car... (3 pages)View decision -
Decision Reference DRN-5429858
28 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5429858 The complaint Mr H complains that Vanquis Bank Limited (“Vanquis”) didn’t act responsibly when providing him with a credit card. Mr H is represented by a professional third party, but for ease of reference I’ll refer to Mr H throughout. What happened Mr H applied for a cre... (3 pages)View decision -
Decision Reference DRN-5464725
27 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5464725 The complaint Mrs C complains that Vanquis Bank Limited have irresponsibly lent to her. Mrs C is represented by her daughter in bringing this complaint. But for ease of reading, I’ll refer to any submission and comments she has made as being made by Mrs C herself. What happe... (5 pages)View decision -
Decision Reference DRN-5464873
27 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5464873 The complaint Mr L complains that Vanquis Bank Limited irresponsibly lent to him. Mr L 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 L himself. What happe... (3 pages)View decision -
Decision Reference DRN-5562758
27 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5562758 The complaint Mr T complains Vanquis Bank Limited (Vanquis) failed to carry out sufficient checks before it provided a credit card facility and subsequently increased the limit on that credit card account. What happened Mr T says he applied for a credit card in February 2020... (3 pages)View decision -
Decision Reference DRN-5288476
27 May 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5288476 The complaint Mrs L complains that Vanquis Bank Limited defaulted her credit card account. What happened I issued a provisional decision about this complaint, which set out what happened: “In 2023, Mrs L became unwell and stopped working, so she contacted Vanquis about her c... (5 pages)View decision -
Decision Reference DRN-5099780
22 May 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5099780 The complaint Mr C complains about the actions of Vanquis Bank Limited following unauthorised payments on his credit card. What happened The detailed background to this complaint is well known to both parties. So, I’ll only provide a brief overview of some of the key events... (2 pages)View decision -
Decision Reference DRN-5556460
22 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5556460 The complaint Ms N complains Vanquis Bank Limited (“Vanquis”) irresponsibly lent her a credit card, and increased her limit. She also complains she didn’t receive a default notice. What happened In February 2019 Ms N applied for a credit card with Vanquis. The application w... (3 pages)View decision