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 1218 results
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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 -
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
