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-5412840
24 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5412840 Complaint Mr C has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increases should not have been provided to him as they were unaffordable. Background In April 2020, Vanquis provided Mr C with a credit card... (3 pages)View decision -
Decision Reference DRN-5366142
21 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5366142 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... (2 pages)View decision -
Decision Reference DRN-5412084
21 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5412084 The complaint Mr K complains that Vanquis Bank Limited was irresponsible in lending him two credit card accounts which he couldn’t afford to repay. What happened In March 2011 Vanquis lent Mr K two credit card accounts. Each account had a credit limit of £500. In August 201... (2 pages)View decision -
Decision Reference DRN-4969414
20 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-4969414 The complaint Mr E complains Vanquis Bank Limited (Vanquis) should have done more to help him recover a £50 administrative charge paid to an insurance broker. What happened On 27 December 2023, Mr E said he paid £50 with his credit card to an insurance broker (which I’ll ca... (4 pages)View decision -
Decision Reference DRN-5368207
20 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5368207 The complaint Miss W complains that Vanquis Bank Limited irresponsibly lent to her. Miss W 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 Miss W herself. What ... (2 pages)View decision -
Decision Reference DRN-5301287
19 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5301287 The complaint Mr N complains that Vanquis Bank Limited irresponsibly lent to him. Mr N 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 N himself. What happen... (4 pages)View decision -
Decision Reference DRN-5361409
18 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5361409 The complaint Mr W 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 W is represented by a third party but for ease of reference I have referred to Mr W throug... (3 pages)View decision -
Decision Reference DRN-5404496
18 Mar 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5404496 The complaint Mr S complains that Vanquis Bank Limited was irresponsible in its lending to him. What happened Mr S was provided with a £5,000 loan by Vanquis in November 2022. The loan term was 36 months and Mr S was required to make monthly repayments of around £204. Mr S s... (3 pages)View decision -
Decision Reference DRN-5334148
18 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5334148 The complaint Miss C complains Vanquis Bank Limited (Vanquis) acted irresponsibly when it increased the credit limits on her credit card account and offered her a new credit card following the closure of her first credit card account. What happened Miss C says she took out a... (3 pages)View decision -
Decision Reference DRN-5358868
17 Mar 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5358868 The complaint Miss S complains that Vanquis Bank Limited was irresponsible in its lending to her. What happened Miss S was provided with a £3,000 loan by Vanquis Bank in January 2023. The loan term was 36 months and Miss S was required to make monthly repayments of £120.30. ... (2 pages)View decision