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-5402467
21 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5402467 The complaint Mrs W complains Vanquis Bank Limited (“Vanquis”) lent to her irresponsibly when she was already financially vulnerable. What happened Vanquis provided Mrs W with a loan for £5,000 in October 2022. The monthly repayments were around £190 spread over around thre... (3 pages)View decision -
Decision Reference DRN-5449399
16 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5449399 The complaint Mr N complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr N applied for a Vanquis credit card in June 2020. In his application, Mr N said he was employed with an income of £23,000 a year that Van... (2 pages)View decision -
Decision Reference DRN-5469692
16 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5469692 The complaint Mr C complains that Vanquis Bank Limited irresponsibly lent to him. Mr C 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 C himself. What happe... (2 pages)View decision -
Decision Reference DRN-5375701
16 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5375701 Complaint Mr M has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says that he shouldn’t have been given the credit card and that it was irresponsibly provided to him. Background In December 2011, Vanquis provided Mr M with a credit car... (3 pages)View decision -
Decision Reference DRN-5553186
12 May 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5553186 The complaint Mr K complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I s... (4 pages)View decision -
Decision Reference DRN-5553094
12 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5553094 The complaint Mr L complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and went on to increase the credit limit. What happened The background to this complaint and my initial conclusions were set out in a provisional decision.... (4 pages)View decision -
Decision Reference DRN-5462297
12 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5462297 The complaint Mr Y complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest and all adverse information regarding this account removed from his credit file. Mr Y is represented by a ... (3 pages)View decision -
Decision Reference DRN-5434478
9 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5434478 The complaint Mrs N complains that Vanquis Bank Limited lent to her irresponsibly in relation to a credit card account. What happened In July 2017, Mrs N was provided with a credit card by Vanquis. It had a limit of £250; the credit limit was never increased. Several years ... (3 pages)View decision -
Decision Reference DRN-5235976
9 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5235976 The complaint With the help of a professional representative (PR), Mr D complains that Vanquis Bank Limited lent to him irresponsibly. For ease, I’ll refer to the PR’s actions as being those of Mr D. What happened On 15 August 2014, Mr D applied for – and received – a credit... (4 pages)View decision -
Decision Reference DRN-5424718
7 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5424718 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the limit. What happened Mr W applied for a Vanquis credit card in November 2018. In his application, Mr W said he was unemployed and h... (3 pages)View decision