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 1373 results
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Decision Reference DRN-5712813
7 Nov 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5712813 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... (3 pages)View decision -
Decision Reference DRN-5873275
6 Nov 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5873275 The complaint Mr L is unhappy with the service received from Vanquis Bank Limited (“Vanquis”) on the telephone regarding his credit card. What happened Mr L called Vanquis on 16 April 2025 to raise a fraudulent claim regarding some transactions on his card account. He was un... (2 pages)View decision -
Decision Reference DRN-5910947
5 Nov 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5910947 The complaint Miss A complains Vanquis Bank Limited (“Vanquis”) irresponsibly lent to her. What happened In February 2017 Miss A applied for a credit card with Vanquis. The application was accepted, and Vanquis provided Miss A with an initial limit of £500. In July 2017 Va... (3 pages)View decision -
Decision Reference DRN-5929166
5 Nov 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5929166 The complaint Miss A complains Vanquis Bank Limited (“Vanquis”) irresponsibly lent to her. What happened In July 2023 Miss A applied for a loan with Vanquis. The application was approved and she was provided a loan for £2,000 to be repaid over 36 months with a monthly repay... (3 pages)View decision -
Decision Reference DRN-5902006
3 Nov 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5902006 The complaint Mrs T complains about Vanquis Bank Limited’s handling of her Data Subject Access Request (DSAR) What happened In February 2025, Mrs T submitted a DSAR to Vanquis and then complained to us later the same month as it hadn’t provided her with the information reque... (2 pages)View decision -
Decision Reference DRN-5907461
3 Nov 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5907461 The complaint Mr H says Vanquis Bank Limited (‘Vanquis’), irresponsibly lent to him. He says it didn’t take reasonable steps to ensure he could afford the repayments towards a credit card. He says that if it had made better checks it would have seen he was in financial diffi... (4 pages)View decision -
Decision Reference DRN-5735044
30 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5735044 The complaint Miss L complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the limit. What happened Miss L applied for a Vanquis credit card in July 2017. In her application, Miss L said she had an annual inc... (4 pages)View decision -
Decision Reference DRN-5818020
29 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5818020 The complaint Miss D complains that Vanquis Bank Limited lent to her irresponsibly. What happened In August 2024 Miss D applied for a credit card account with Vanquis. The application was approved, and Miss D was given a card with an initial credit limit of £1200. Miss D co... (2 pages)View decision -
Decision Reference DRN-5600090
29 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5600090 The complaint Mrs S complains that Vanquis Bank Limited (“Vanquis”) lent to her irresponsibly when it provided her with a credit card account and subsequent credit limit increases. For ease of reference, I’ll refer to Mrs S when referring to both her and her representative.... (4 pages)View decision -
Decision Reference DRN-5902390
28 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5902390 The complaint Mr E complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr E applied for a Vanquis credit card in May 2019. In his application, Mr E said he was employed part time with an annual income of £12,000... (3 pages)View decision