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-5188652
20 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5188652 The complaint Miss D complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application. What happened Miss D applied for a credit card with Vanquis in June 2018. In Miss D’s application she said she was employed with an income of £17,000 a ... (3 pages)View decision -
Decision Reference DRN-5213801
20 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5213801 Complaint Mr D has complained about a credit card Vanquis Bank Limited (trading as “Vanquis”) provided to him. He says that he shouldn’t have been given the credit card or the credit limit increase and that they were irresponsibly provided to him. Background In June 2016, ... (3 pages)View decision -
Decision Reference DRN-4999834
18 Dec 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4999834 The complaint Mr U has complained about the way Vanquis Bank Limited handled an account opened fraudulently in his name. What happened Someone took out a credit card with Vanquis in Mr U’s name. Mr U has explained that he reported this to Vanquis in February 2024. But he was... (2 pages)View decision -
Decision Reference DRN-5166609
18 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5166609 The complaint Mr S complains that Vanquis Bank Limited sold his account to a third party without notifying him. What happened Mr S says his Vanquis credit card account was sold to a debt collection company without him being notified. He says he had been recently hospitalise... (2 pages)View decision -
Decision Reference DRN-5162014
17 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5162014 The complaint Mr E complains that Vanquis Bank Limited irresponsibly lent to him. What happened Mr E had a Vanquis credit card which had a £150 credit limit. Vanquis increased the credit limit to £550. Mr E says that the credit limit increase was irresponsibly lent to him as... (3 pages)View decision -
Decision Reference DRN-5138047
16 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5138047 Complaint Mr H has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increase should not have been provided to him as they were unaffordable. Background In February 2019, Vanquis provided Mr H with a credit ca... (3 pages)View decision -
Decision Reference DRN-5166927
16 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5166927 Complaint Miss S has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says that her credit limit increases were irresponsibly provided. Background Vanquis provided Miss S with a credit card in July 2016. Miss S was then offered a credit l... (3 pages)View decision -
Decision Reference DRN-5190977
13 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5190977 Complaint Mr Q has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increase should not have been provided to him as they were unaffordable. Background In May 2019, Vanquis provided Mr Q with a credit card wh... (3 pages)View decision -
Decision Reference DRN-5200988
11 Dec 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5200988 The complaint Miss W, through a representative, complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss W applied for a credit card from Vanquis in October 2020. It gave her a £1,000 credit limit and increased this to £1,550 in July 2021 and to £2,4... (3 pages)View decision -
Decision Reference DRN-5155700
10 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5155700 The complaint Mr M complains that Vanquis Bank Limited irresponsibly lent to him. Mr M 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 M himself. What happe... (5 pages)View decision
