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 1211 results
-
Decision Reference DRN-5447415
10 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5447415 The complaint Mrs C complains that Vanquis Bank Limited irresponsibly provided her with a credit card account and increased her credit limit. She’s said that the relationship between herself and Vanquis was unfair. Mrs C is being supported in bringing her complaint by a pro... (4 pages)View decision -
Decision Reference DRN-5415250
7 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5415250 The complaint Miss B complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application. What happened Miss B applied for a credit card with Vanquis in June 2023. In her application, Miss B said she was unemployed with an income of £36,000 a... (2 pages)View decision -
Decision Reference DRN-5440990
7 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5440990 The complaint Ms K has complained that Vanquis Bank Limited acted irresponsibly when it gave her a credit card account and increased the limit on the account. Ms K is represented in the complaint but for simplicity I will refer to Ms K throughout as if all submissions have ... (3 pages)View decision -
Decision Reference DRN-5342171
4 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5342171 Complaint Mr H 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 November 2018, Vanquis provided Mr H with a credit c... (3 pages)View decision -
Decision Reference DRN-5402947
1 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5402947 The complaint Mr W complains that Vanquis Bank Limited was irresponsible in its lending to him. He wants all interest and charges he has paid refunded along with statutory interest. Mr W is represented by a third party but for ease of reference I have referred to Mr W throug... (4 pages)View decision -
Decision Reference DRN-5350135
1 Apr 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5350135 The complaint Mr C complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr C applied for a credit card with Vanquis in January 2012. In his application, Mr C said he was a homemaker and that there was a household... (3 pages)View decision -
Decision Reference DRN-5399659
28 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5399659 The complaint Mr S, who is represented by a third party, complains that Vanquis Bank Limited (‘Vanquis’) irresponsibly granted him a credit card account he couldn’t afford to repay. What happened Mr S entered into an agreement with Vanquis to have access to credit by way of... (3 pages)View decision -
Decision Reference DRN-5333626
28 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5333626 Complaint Mr E has complained about a credit card Vanquis Bank Limited (trading as “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 October 2016, Vanquis provided Mr E with a ... (3 pages)View decision -
Decision Reference DRN-5366158
27 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5366158 The complaint Ms W complains that Vanquis Bank Limited irresponsibly lent to her. Ms W 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 Ms W herself. What happen... (3 pages)View decision -
Decision Reference DRN-5356304
27 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5356304 The complaint Miss B complains that Vanquis Bank Limited irresponsibly lent to her. Miss B 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 Miss B hers... (2 pages)View decision
