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-5441665
29 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5441665 The complaint Mrs B complains that Vanquis Bank Limited irresponsibly lent her a credit card account and increased the credit limit. What happened Vanquis opened a credit card account with a credit limit of £250 for Mrs B in March 2016. It then increased the credit limit as... (3 pages)View decision -
Decision Reference DRN-5512653
29 Apr 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5512653 The complaint Mrs M complains that Vanquis Bank Limited have irresponsibly lent to her. Mrs M 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 Mrs M herself. Wha... (5 pages)View decision -
Decision Reference DRN-5514292
29 Apr 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5514292 The complaint Mr H’s complaint is about a credit card he had with Vanquis Bank Limited. He believes that Vanquis was irresponsible when it decided to provide him with credit as it did not complete affordability checks either when he initially applied or when it later increas... (4 pages)View decision -
Decision Reference DRN-5498107
28 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5498107 The complaint Miss C has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to her. She says the credit card was unaffordable and so shouldn’t have been provided to her. Background Vanquis provided Miss C with a credit card with an initial... (2 pages)View decision -
Decision Reference DRN-5433549
28 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5433549 Complaint Mr K 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 January 2019, Vanquis provided Mr K with a credit card... (3 pages)View decision -
Decision Reference DRN-5376325
25 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5376325 The complaint Mr L complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and went on to increase the credit limit. What happened Mr L applied for a Vanquis credit card in July 2020. In his application, Mr L said he was employed ... (3 pages)View decision -
Decision Reference DRN-5448657
25 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5448657 The complaint Mr H complains that Vanquis Bank Limited irresponsibly lent to him. Mr H is represented by a claims management company 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 H himself. W... (3 pages)View decision -
Decision Reference DRN-5470889
24 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5470889 The complaint Mr N complains that Vanquis Bank Limited lent to him irresponsibly in relation to a credit card account. What happened In April 2010, Mr N was provided with a credit card by Vanquis with a limit of £500; the credit limit was never increased. Several years afte... (3 pages)View decision -
Decision Reference DRN-5470147
23 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5470147 The complaint Mr S complains that Vanquis Bank Limited irresponsibly lent to him. Mr S 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 S himself. What happen... (2 pages)View decision -
Decision Reference DRN-5168279
22 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5168279 The complaint Mr M complains that Vanquis Bank Limited has not refunded a credit card payment for a flight which was not provided. What happened Mr M and his wife were booked on a flight in December 2023. Unfortunately, they missed it. Mr M has explained that, because there ... (3 pages)View decision