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 1126 results
-
Decision Reference DRN-5281041
11 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5281041 The complaint Miss O complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss O was approved for a Vanquis credit card in January 2020 with a £250 credit limit. The credit limit was increased to £500 in May 2022, and increased again to £850 in Octobe... (4 pages)View decision -
Decision Reference DRN-5341218
11 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5341218 The complaint Mr W complains that Vanquis Bank Limited was irresponsible in its lending to him. Mr W is represented by a third party but for ease of reference I have referred to Mr W throughout this complaint. What happened Mr W was provided with a Vanquis credit card accoun... (3 pages)View decision -
Decision Reference DRN-5187694
10 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5187694 The complaint Mr N has complained about a credit card he took out in June 2019 with Vanquis Bank Limited. He’s said the credit card was unaffordable and shouldn’t have been approved. Mr N is represented in bringing his complaint, but for ease I’ve written as if we’ve dealt d... (3 pages)View decision -
Decision Reference DRN-5068473
10 Mar 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5068473 The complaint Mrs Q has complained Vanquis Bank Limited never properly responded when she complained about being pursued for repayment of a loan she’d never taken out. What happened After receiving correspondence from a debt collection agency, Mrs Q got in touch with Vanquis... (2 pages)View decision -
Decision Reference DRN-5331507
10 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5331507 The complaint Ms S complains about a credit card agreement she has with Vanquis Bank Limited. More specifically, the way that Vanquis Bank Limited dealt with a claim she submitted under section 75 (s.75) of the Consumer Credit Act (CCA). Vanquis Bank Limited did not uphold h... (3 pages)View decision -
Decision Reference DRN-5375437
10 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5375437 Complaint Mrs T 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 r... (6 pages)View decision -
Decision Reference DRN-5236230
7 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5236230 The complaint Mrs A complains that Vanquis Bank Limited did not handle her chargeback request properly. What happened On 10 January 2024 Mrs A bought airline tickets from a travel agent at a cost of £2,249.23. She then discovered that her husband could not travel to the dest... (2 pages)View decision -
Decision Reference DRN-5345701
7 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5345701 Complaint Miss J 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. Background In Ja... (5 pages)View decision -
Decision Reference DRN-5318182
7 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5318182 The complaint Miss I says Vanquis Bank Limited (‘Vanquis’), irresponsibly lent to her. She says that it didn’t take reasonable steps to ensure she could afford the repayments towards a credit card. And it shouldn’t have provided her with £1,000 of credit without proper check... (4 pages)View decision -
Decision Reference DRN-5377931
6 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5377931 The complaint Mr C complains about the service he received from Vanquis Bank Limited in relation to a credit card account he had with it. What happened Mr C contacted Vanquis on 3 August 2024 to discuss his credit card account. He complains that he was asked security questi... (2 pages)View decision
