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-5376325
25 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5376325 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 Mr L applied for a Vanquis credit card in July 2020. In his application, Mr L said he was employed ... (3 pages)View decision -
Decision Reference DRN-5448657
25 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5448657 The complaint Mr H complains that Vanquis Bank Limited irresponsibly lent to him. Mr H 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 Mr H himself. W... (3 pages)View decision -
Decision Reference DRN-5470889
24 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5470889 The complaint Mr N complains that Vanquis Bank Limited lent to him irresponsibly in relation to a credit card account. What happened In April 2010, Mr N was provided with a credit card by Vanquis with a limit of £500; the credit limit was never increased. Several years afte... (3 pages)View decision -
Decision Reference DRN-5470147
23 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5470147 The complaint Mr S complains that Vanquis Bank Limited irresponsibly lent to him. Mr S 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 S himself. What happen... (2 pages)View decision -
Decision Reference DRN-5168279
22 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5168279 The complaint Mr M complains that Vanquis Bank Limited has not refunded a credit card payment for a flight which was not provided. What happened Mr M and his wife were booked on a flight in December 2023. Unfortunately, they missed it. Mr M has explained that, because there ... (3 pages)View decision -
Decision Reference DRN-5346360
22 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5346360 The complaint Mr W complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr W applied for a Vanquis credit card in July 2018. In his application, Mr W said he was employed with... (3 pages)View decision -
Decision Reference DRN-5395144
22 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5395144 The complaint Mr M complains that Vanquis Bank Limited (Vanquis) acted irresponsibly in agreeing to lend to him. In bringing his complaint Mr M is represented by a third party. For ease of reading I will only refer to Mr M in my decision. What happened In May 2010 Mr M appli... (4 pages)View decision -
Decision Reference DRN-5496053
22 Apr 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5496053 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... (3 pages)View decision -
Decision Reference DRN-5340933
22 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5340933 The complaint Mr L complains that Vanquis Bank Limited irresponsibly lent to him. Mr L 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 L himself. What happen... (4 pages)View decision -
Decision Reference DRN-5340402
22 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5340402 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 March 2020, Vanquis provided Mr K with a credit card w... (3 pages)View decision
