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-5821990
15 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5821990 The complaint Miss C complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application. What happened Miss C applied for a Vanquis credit card in July 2024. In her application, Miss C said she had an annual income of £39,700 that Vanquis ca... (3 pages)View decision -
Decision Reference DRN-5907112
14 Jan 2026 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5907112 The complaint Mrs W is unhappy that Vanquis Bank Limited warned her about using her personal credit card for business use when she hadn’t done so. What happened Mrs W received a letter from Vanquis warning her against using her Vanquis credit card for business use, which is ... (3 pages)View decision -
Decision Reference DRN-5827557
14 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5827557 The complaint Mr T is unhappy Vanquis Bank Limited did not notify him that his credit card account would be reported as defaulted to the credit reference agencies (CRAs). What happened In March 2025 Mr T discovered Vanquis had reported his credit card account as defaulted t... (3 pages)View decision -
Decision Reference DRN-5992278
9 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5992278 The complaint Mr C has complained that Vanquis Bank Limited were irresponsible in opening a credit card account. What happened Vanquis provided Mr C with a credit card in February 2025 with a limit of £1,500. Mr C says this was irresponsible. He says the checks carried out w... (3 pages)View decision -
Decision Reference DRN-6065442
9 Jan 2026 Vanquis Bank Limited UpheldBanking and PaymentsDRN-6065442 The complaint Mrs S complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened The background to this complaint and my initial conclusions were set out in a provisional decision. I said: Mrs S applied for a Vanquis cre... (4 pages)View decision -
Decision Reference DRN-6004302
7 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6004302 The complaint Mr J complains that Vanquis Bank Limited unfairly reported a missed payment to his credit file relating to his credit card account. What happened In December 2024 Vanquis says it was unable to collect Mr J’s contractual monthly payment by means of a continuous ... (5 pages)View decision -
Decision Reference DRN-6042388
7 Jan 2026 Vanquis Bank Limited UpheldBanking and PaymentsDRN-6042388 The complaint Mrs H is unhappy with how Vanquis Bank Limited have administered her account. What happened I issued a provisional decision on this complaint on 9 December 2025, which included the following: What follows is a detailed timeline of this complaint. It’s often the... (15 pages)View decision -
Decision Reference DRN-6046195
7 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6046195 Complaint Miss N has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says the credit card was unaffordable because of its large credit limit and so shouldn’t have been provided to her. Background Vanquis provided Miss N with a credit car... (3 pages)View decision -
Decision Reference DRN-6002133
5 Jan 2026 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6002133 The complaint Miss K complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the limit. What happened Miss K applied for a Vanquis credit card in August 2019. In her application, Miss K gave an annual income of... (3 pages)View decision -
Decision Reference DRN-6005206
22 Dec 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-6005206 The complaint Miss B complains Vanquis Bank Limited (“Vanquis”) lent to her when it shouldn’t have. What happened In March 2024, Miss B applied for a credit card with Vanquis. The application was approved, and Miss B was given a £600 limit. The limit wasn’t ever increased. M... (3 pages)View decision