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 1382 results
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Decision Reference DRN-5356304
27 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5356304 The complaint Miss B complains that Vanquis Bank Limited irresponsibly lent to her. Miss B 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 Miss B hers... (2 pages)View decision -
Decision Reference DRN-5356386
27 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5356386 The complaint Mrs F’s complaint is that Vanquis Bank Limited acted irresponsibly when it provided her with a credit card on 18 May 2019. To settle the complaint Mrs F would like Vanquis to refund all interest fees and charges on the account, plus 8% interest, and pay compens... (3 pages)View decision -
Decision Reference DRN-5372231
26 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5372231 The complaint Mr Y complains that Vanquis Bank Limited (Vanquis) shouldn’t have agreed to a credit card and subsequent credit limit increase as they were unaffordable. In bringing his complaint Mr Y is represented by a third party. For ease of reading I will only refer to Mr... (3 pages)View decision -
Decision Reference DRN-5352503
26 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5352503 The complaint Mrs S complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened Mrs S applied for a Vanquis credit card in August 2014. In her application, Mrs S said she was emp... (3 pages)View decision -
Decision Reference DRN-5361813
26 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5361813 The complaint Mr D complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr D applied for a Vanquis credit card in January 2023. In his application, Mr D said he was employed with an income of £42,000 a year which... (3 pages)View decision -
Decision Reference DRN-5322616
26 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5322616 The complaint Ms B complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Ms B applied for a Vanquis credit card in April 2020. In her application, Ms B said she was a student w... (3 pages)View decision -
Decision Reference DRN-5382912
25 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5382912 The complaint Mr S complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest and charges he has paid refunded along with statutory interest. Mr S is represented by a third party but for ease of reference I have referred to Mr S throug... (3 pages)View decision -
Decision Reference DRN-5423341
25 Mar 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5423341 The complaint Mr X complains that Vanquis Bank Limited didn’t agree to place his credit card account on hold, and that it failed to respond to correspondence. What happened Mr X holds a credit card account with Vanquis. In July 2023, he wrote to Vanquis to inform it that he’... (3 pages)View decision -
Decision Reference DRN-5422923
24 Mar 2025 Vanquis Bank Limited UpheldConsumer CreditDRN-5422923 The complaint Mr S is unhappy that Vanquis Bank Limited chose not to lend him money after initially telling him that they would do. What happened Mr S applied for a loan with Vanquis and spoke with Vanquis when completing his application. Vanquis’ agent told Mr S that he was... (3 pages)View decision -
Decision Reference DRN-5375605
24 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5375605 The complaint Ms A has complained about a credit card she took out in June 2015 with Vanquis Bank Limited. She’s said the credit card was unaffordable and shouldn’t have been approved. What happened Ms A took out this Vanquis credit card account in June 2015 with a credit li... (3 pages)View decision