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 1126 results
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Decision Reference DRN-5318300
26 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5318300 The complaint Mrs D complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Mrs D applied for a credit card with Vanquis in January 2017. In her application, Mrs D said she was r... (3 pages)View decision -
Decision Reference DRN-5300194
26 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5300194 The complaint Mr H complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr H applied for a credit card with Vanquis in April 2012. In his application, Mr H said he was employed... (4 pages)View decision -
Decision Reference DRN-5290030
24 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5290030 The complaint Mr M complains Vanquis Bank Limited (Vanquis) acted irresponsibly when it provided a credit card facility to him. What happened Mr M says he applied for a credit card with Vanquis in March 2021 and was already under financial pressure at that time and a credit ... (3 pages)View decision -
Decision Reference DRN-5306470
19 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5306470 The complaint Mr M complains that Vanquis Bank Limited reduced the limit on his credit card. What happened Mr M holds a credit card with Vanquis. On 16 March 2024 Mr M contacted Vanquis and said he had seen a video about the importance of taking incremental steps to manage d... (2 pages)View decision -
Decision Reference DRN-5278279
18 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5278279 The complaint Miss H complains that Vanquis Bank Limited irresponsibly lent to her. What happened Miss H was approved for a Vanquis credit card in September 2022 with a £1,200 credit limit. The credit limit was increased to £2,000 in August 2023. Miss H says Vanquis lent to ... (4 pages)View decision -
Decision Reference DRN-5327323
17 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5327323 Complaint Ms M has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty as the repayments re... (6 pages)View decision -
Decision Reference DRN-5274075
12 Feb 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5274075 The complaint Mr F complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest he has paid on the loan refunded along with 8% statutory interest. What happened Vanquis provided Mr F with a £1,500 loan in May 2022. The agreement had an 1... (3 pages)View decision -
Decision Reference DRN-5289960
10 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5289960 Complaint Mrs M 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 Mrs M with a credit card with an initial limit of £1,000.00... (2 pages)View decision -
Decision Reference DRN-5175679
7 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5175679 The complaint Mr B, through his representative, complains that Vanquis Bank Limited lent to him irresponsibly by approving a credit card for him in July 2016 and then increasing the credit limits three times from £500 to £3,500 over the following years. Mr B, through his rep... (4 pages)View decision -
Decision Reference DRN-5301721
7 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5301721 The complaint In summary, Miss B complains that Vanquis Bank Limited, provided her with a credit card and credit limit increases that she wasn’t able to afford. What happened In March 2016, Miss B applied for a credit card with Vanquis. The application was approved and a cr... (4 pages)View decision
