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
-
Decision Reference DRN-5515960
7 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5515960 The complaint Ms M complains that Vanquis Bank Limited was irresponsible in its lending to her. She wants all interest and charges refunded along with statutory interest, and any adverse information recorded about this agreement removed from her credit file. Ms M is represen... (4 pages)View decision -
Decision Reference DRN-5482265
2 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5482265 Complaint Mr N has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increases should not have been provided to him as they were unaffordable. Background In September 2018, Vanquis provided Mr N with a credit ... (3 pages)View decision -
Decision Reference DRN-5530239
2 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5530239 The complaint Mr P complains that Vanquis Bank Limited irresponsibly provided him with credit, which resulted in the relationship between him and Vanquis being unfair. Mr P is supported in bringing this complaint by a representative. But, for ease, I’ll refer to Mr P throug... (3 pages)View decision -
Decision Reference DRN-5511285
2 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5511285 The complaint Miss M complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application. What happened Miss M applied for a Vanquis credit card in June 2020. In her application, Miss M said she was employed with an income of £22,000 that Van... (3 pages)View decision -
Decision Reference DRN-5338704
2 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5338704 The complaint Miss M complains that she was told by Vanquis Bank Limited that a payment she was intending to make would provide her with protection under section 75 of the Consumer Credit Act 1974 (“section 75”). The item was not delivered and so she says she has lost money ... (2 pages)View decision -
Decision Reference DRN-5528797
2 May 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5528797 The complaint Mr O complains that Vanquis Bank Limited irresponsibly lent to him. Mr O 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 Mr O himself. What happen... (5 pages)View decision -
Decision Reference DRN-5525657
1 May 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5525657 The complaint Mr T is unhappy that Vanquis Bank Limited didn’t accept a cheque he submitted to them as payment towards his outstanding credit card account balance. What happened Mr T submitted a cheque for £2,500 to Vanquis, with whom he had an outstanding credit card balanc... (3 pages)View decision -
Decision Reference DRN-5486931
1 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5486931 The complaint Mr S complains Vanquis Bank Limited (“Vanquis”) lent a credit card to him irresponsibly. What happened In March 2023 Mr S applied for a credit card with Vanquis. The application was accepted, and he was provided with a credit limit of £1,200. In December 2023, ... (3 pages)View decision -
Decision Reference DRN-5513955
29 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5513955 The complaint Mr W complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest and charges that have been applied to his account refunded along with statutory interest and any adverse information removed from his credit file. Mr W is re... (2 pages)View decision -
Decision Reference DRN-5381091
29 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5381091 The complaint Mr K complains that Vanquis Bank Limited irresponsibly lent to him. Mr K 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 K himself. What happe... (2 pages)View decision