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-5346360
22 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5346360 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr W applied for a Vanquis credit card in July 2018. In his application, Mr W said he was employed with... (3 pages)View decision -
Decision Reference DRN-5395144
22 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5395144 The complaint Mr M complains that Vanquis Bank Limited (Vanquis) acted irresponsibly in agreeing to lend to him. In bringing his complaint Mr M is represented by a third party. For ease of reading I will only refer to Mr M in my decision. What happened In May 2010 Mr M appli... (4 pages)View decision -
Decision Reference DRN-5496053
22 Apr 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5496053 The complaint Mrs D complains that Vanquis Bank Limited irresponsibly lent to her. Mrs D 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 D herself. What hap... (3 pages)View decision -
Decision Reference DRN-5340933
22 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5340933 The complaint Mr L complains that Vanquis Bank Limited irresponsibly lent to him. Mr L 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 L himself. What happen... (4 pages)View decision -
Decision Reference DRN-5340402
22 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5340402 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 March 2020, Vanquis provided Mr K with a credit card w... (3 pages)View decision -
Decision Reference DRN-5476384
17 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5476384 The complaint Miss M, who is represented by a third party, complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly granted her a credit card she couldn’t afford to repay. What happened In April 2016 Miss M entered into an agreement with Vanquis to have access to credi... (4 pages)View decision -
Decision Reference DRN-5382443
16 Apr 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5382443 The complaint Mr A complains that Vanquis Bank Limited (‘Vanquis’) tried to collect a payment earlier than agreed, and this led to his personal loan account being defaulted. Mr A says he can repay his loan in full and wants the default removed from his credit file. What ha... (3 pages)View decision -
Decision Reference DRN-5441984
16 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5441984 The complaint Miss A’s complaint is about a credit card issued to her by Vanquis Bank Limited in 2019. Miss A says Vanquis acted irresponsibly when it gave her a credit card, and then later increased her credit limit. To resolve the complaint Miss A would like Vanquis to re... (3 pages)View decision -
Decision Reference DRN-5289645
15 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5289645 The complaint Mr D’s complaint relates to a credit card he has with Vanquis Bank Limited. He has said that he considers Vanquis was irresponsible when it accepted his application, and later increased his credit limit, as neither were affordable for him. Mr D is represented i... (3 pages)View decision -
Decision Reference DRN-5386493
14 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5386493 The complaint Miss S complains about Vanquis Bank Limited unfairly defaulting her credit card account. What happened At the beginning of 2024, Miss S unfortunately lost her job and came into financial difficulties. This meant she was unable to make the minimum payment on her... (3 pages)View decision