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-5272556
6 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5272556 The complaint Mr C complains about issues he experienced with his credit card and the service he received from Vanquis Bank Limited when he reported the issues. What happened Mr C holds a credit card account with Vanquis. On 26 August 2024 Mr C experienced issues with his c... (2 pages)View decision -
Decision Reference DRN-5212764
6 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5212764 The complaint Mr W complains that Vanquis Bank Limited irresponsibly lent to him. Mr W 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 W himself. W... (4 pages)View decision -
Decision Reference DRN-5222137
6 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5222137 The complaint Mr C complains that Vanquis Bank Limited irresponsibly lent to him. What happened Mr C was approved for a Vanquis credit card in January 2023 with a £2,000 credit limit. Mr C says that Vanquis irresponsibly lent to him, especially due to his account management ... (2 pages)View decision -
Decision Reference DRN-5214051
5 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5214051 The complaint Mr R complains that Vanquis Bank Limited lent to him irresponsibly. What happened Vanquis provided Mr R with a credit card account in November 2011. Initially, his credit limit was set at £500; Mr R’s credit limit was then increased four times in the years that... (3 pages)View decision -
Decision Reference DRN-5263776
4 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5263776 The complaint Miss S complains that Vanquis Bank Limited was irresponsible in its lending to her. She wants all interest and charges refunded along with 8% simple interest and any adverse information relating to the account removed from her credit file. Miss S is represented... (3 pages)View decision -
Decision Reference DRN-5278841
3 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5278841 Complaint Mr R 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 February 2018, Vanquis provided Mr R with a credit c... (3 pages)View decision -
Decision Reference DRN-5290450
3 Feb 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5290450 Complaint Mr M has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided him with a credit card. He’s said that that this impacted on his position going forward and caused him ongoing difficulty. Background This complaint is about a credit card Vanquis ini... (3 pages)View decision -
Decision Reference DRN-5184264
31 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5184264 The complaint Mrs B complains that Vanquis Bank Limited lent to her irresponsibly. What happened On 27 March 2015, Mrs B opened a credit card account with Vanquis with an initial £150 credit limit. Over the years, there have been a number of credit limit increases (CLI) as s... (3 pages)View decision -
Decision Reference DRN-5236491
31 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5236491 The complaint Mr C complains that Vanquis Bank Limited (‘Vanquis’), irresponsibly granted him a credit card he couldn’t afford to repay and caused him to get into financial difficulties. What happened In August 2013, Mr C entered into an agreement with Vanquis to have acces... (3 pages)View decision -
Decision Reference DRN-5258296
30 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5258296 The complaint Mr H complains Vanquis Bank Limited (“Vanquis”) undertook a searches on his credit report when he no longer had an account with it. What happened Mr H found a hard search on his credit file by Vanquis dated 7 November 2023. He raised this with Vanquis who uphel... (2 pages)View decision
