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 1218 results
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Decision Reference DRN-5553094
12 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5553094 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 The background to this complaint and my initial conclusions were set out in a provisional decision.... (4 pages)View decision -
Decision Reference DRN-5462297
12 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5462297 The complaint Mr Y complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest and charges refunded along with statutory interest and all adverse information regarding this account removed from his credit file. Mr Y is represented by a ... (3 pages)View decision -
Decision Reference DRN-5434478
9 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5434478 The complaint Mrs N complains that Vanquis Bank Limited lent to her irresponsibly in relation to a credit card account. What happened In July 2017, Mrs N was provided with a credit card by Vanquis. It had a limit of £250; the credit limit was never increased. Several years ... (3 pages)View decision -
Decision Reference DRN-5235976
9 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5235976 The complaint With the help of a professional representative (PR), Mr D complains that Vanquis Bank Limited lent to him irresponsibly. For ease, I’ll refer to the PR’s actions as being those of Mr D. What happened On 15 August 2014, Mr D applied for – and received – a credit... (4 pages)View decision -
Decision Reference DRN-5424718
7 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5424718 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the limit. What happened Mr W applied for a Vanquis credit card in November 2018. In his application, Mr W said he was unemployed and h... (3 pages)View decision -
Decision Reference DRN-5515960
7 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5515960 The complaint Ms M complains that Vanquis Bank Limited was irresponsible in its lending to her. She wants all interest and charges refunded along with statutory interest, and any adverse information recorded about this agreement removed from her credit file. Ms M is represen... (4 pages)View decision -
Decision Reference DRN-5482265
2 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5482265 Complaint Mr N 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 September 2018, Vanquis provided Mr N with a credit ... (3 pages)View decision -
Decision Reference DRN-5530239
2 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5530239 The complaint Mr P complains that Vanquis Bank Limited irresponsibly provided him with credit, which resulted in the relationship between him and Vanquis being unfair. Mr P is supported in bringing this complaint by a representative. But, for ease, I’ll refer to Mr P throug... (3 pages)View decision -
Decision Reference DRN-5511285
2 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5511285 The complaint Miss M complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application. What happened Miss M applied for a Vanquis credit card in June 2020. In her application, Miss M said she was employed with an income of £22,000 that Van... (3 pages)View decision -
Decision Reference DRN-5338704
2 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5338704 The complaint Miss M complains that she was told by Vanquis Bank Limited that a payment she was intending to make would provide her with protection under section 75 of the Consumer Credit Act 1974 (“section 75”). The item was not delivered and so she says she has lost money ... (2 pages)View decision
