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-5528797
2 May 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5528797 The complaint Mr O complains that Vanquis Bank Limited irresponsibly lent to him. Mr O 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 O himself. What happen... (5 pages)View decision -
Decision Reference DRN-5525657
1 May 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5525657 The complaint Mr T is unhappy that Vanquis Bank Limited didn’t accept a cheque he submitted to them as payment towards his outstanding credit card account balance. What happened Mr T submitted a cheque for £2,500 to Vanquis, with whom he had an outstanding credit card balanc... (3 pages)View decision -
Decision Reference DRN-5486931
1 May 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5486931 The complaint Mr S complains Vanquis Bank Limited (“Vanquis”) lent a credit card to him irresponsibly. What happened In March 2023 Mr S applied for a credit card with Vanquis. The application was accepted, and he was provided with a credit limit of £1,200. In December 2023, ... (3 pages)View decision -
Decision Reference DRN-5513955
29 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5513955 The complaint Mr W complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest and charges that have been applied to his account refunded along with statutory interest and any adverse information removed from his credit file. Mr W is re... (2 pages)View decision -
Decision Reference DRN-5381091
29 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5381091 The complaint Mr K complains that Vanquis Bank Limited irresponsibly lent to him. Mr K is represented by a solicitor’s 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 K himself. What happe... (2 pages)View decision -
Decision Reference DRN-5441665
29 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5441665 The complaint Mrs B complains that Vanquis Bank Limited irresponsibly lent her a credit card account and increased the credit limit. What happened Vanquis opened a credit card account with a credit limit of £250 for Mrs B in March 2016. It then increased the credit limit as... (3 pages)View decision -
Decision Reference DRN-5512653
29 Apr 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5512653 The complaint Mrs M complains that Vanquis Bank Limited have irresponsibly lent to her. Mrs M 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 M herself. Wha... (5 pages)View decision -
Decision Reference DRN-5514292
29 Apr 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5514292 The complaint Mr H’s complaint is about a credit card he had with Vanquis Bank Limited. He believes that Vanquis was irresponsible when it decided to provide him with credit as it did not complete affordability checks either when he initially applied or when it later increas... (4 pages)View decision -
Decision Reference DRN-5498107
28 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5498107 The complaint Miss C 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 Miss C with a credit card with an initial... (2 pages)View decision -
Decision Reference DRN-5433549
28 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5433549 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 January 2019, Vanquis provided Mr K with a credit card... (3 pages)View decision
