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 1253 results
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Decision Reference DRN-5265947
24 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5265947 The complaint Miss M says Vanquis Bank Limited irresponsibly lent to her. What happened Miss M took out a credit card on 30 January 2019. She was given a £500 credit limit. This was not increased. Miss M says she should not have been given this card; she was a full- time stu... (3 pages)View decision -
Decision Reference DRN-5235704
22 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5235704 The complaint Mr V complains that Vanquis Bank Limited irresponsibly lent to him. Mr V 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 V himself. What happe... (2 pages)View decision -
Decision Reference DRN-5207187
22 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5207187 Complaint Ms B has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty as the repayments re... (6 pages)View decision -
Decision Reference DRN-5197355
20 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5197355 The complaint Mr C complains that Vanquis Bank Limited have irresponsibly lent to him. What happened Mr C was approved for a Vanquis credit card in March 2019 with a £500 credit limit. I have detailed the credit limit changes below: July 2019 £500 to £1,000 June 2021 £1,000 ... (5 pages)View decision -
Decision Reference DRN-5250985
17 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5250985 The complaint Mr L, through a representative, says Vanquis Bank Limited irresponsibly lent to him. What happened Mr L took out a credit card from Vanquis on 7 October 2019. He was given a £1,000 credit limit. This was subsequently reduced to £450 and then increased to £900 o... (3 pages)View decision -
Decision Reference DRN-5250966
16 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5250966 Complaint Miss S has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says credit card was irresponsibly provided as it was unaffordable. Background Vanquis provided Miss S with a credit card with a limit of £250 in April 2021. One of ou... (3 pages)View decision -
Decision Reference DRN-5262210
15 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5262210 The complaint Mr H complains that Vanquis Bank Limited (“Vanquis”) held him liable for transactions he didn’t recognise. What happened What Mr H says Mr H has said that he lost his Vanquis credit card sometime in 2023 and subsequently lost his bus pass with his name and addr... (4 pages)View decision -
Decision Reference DRN-5209933
14 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5209933 The complaint Mrs J complains that Vanquis Bank Limited refused to freeze interest or put her on a payment plan when she was experiencing financial difficulties. She’s also unhappy that a default has been registered on her credit file. What happened Mrs J holds a credit card... (3 pages)View decision -
Decision Reference DRN-5258538
13 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5258538 The complaint Mr J complains that Vanquis Bank Limited (Vanquis) defaulted his account. What happened Mr J had a credit card from Vanquis. The limit was £3,000. In the middle of 2023, he ran into difficulty as he had lost his job, suffered from a difficult relationship break... (3 pages)View decision -
Decision Reference DRN-5201017
13 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5201017 Complaint Mr E 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 and that it was irresponsible to lend to him. Background In January 2019, Vanquis provided Mr E with a c... (3 pages)View decision
