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-5898386
27 Oct 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5898386 The complaint Ms M complains about the way Vanquis Bank Limited has administered her credit card account. What happened In 2023, Ms M complained to Vanquis that she was unable to use her credit card in shops. Vanquis responded to that complaint and explained the card had a f... (4 pages)View decision -
Decision Reference DRN-5749337
27 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5749337 The complaint Mrs M complains Vanquis Bank Limited irresponsibly lent to her. What happened Mrs M was approved for a Vanquis credit card in August 2021, with a credit limit of £500. I have detailed the credit limit increases below: March 2022 £500 to £850 July 2022 £850 to £... (4 pages)View decision -
Decision Reference DRN-5744974
27 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5744974 The complaint Mr D complains that Vanquis Bank Limited trading as Vanquis Card irresponsibly lent to him. What happened Mr D was approved for a Vanquis credit card in July 2024, with a £1,200 credit limit. Mr D says this was lent irresponsibly to him, and he was a vulnerable... (3 pages)View decision -
Decision Reference DRN-5462959
27 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5462959 Complaint Mr R has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says that the credit card and the subsequent limit increase were unaffordable for him and this resulted in ongoing difficulties. Background Vanquis provided Mr R with a cr... (4 pages)View decision -
Decision Reference DRN-5747979
22 Oct 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5747979 The complaint Miss C complains that Vanquis Bank Limited made errors that prevented her from making payments towards her personal loan, and that it registered a default on her credit file. What happened In March 2023, Miss C successfully applied for a personal loan with Vanq... (4 pages)View decision -
Decision Reference DRN-5711171
22 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5711171 The complaint Mr C complains that Vanquis Bank Limited (Vanquis) gave in him incorrect information about a promotional offer on his credit card. What happened Mr C said that when he applied for the card it was advertised as being interest free on balance transfers and purcha... (3 pages)View decision -
Decision Reference DRN-5875040
15 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5875040 The complaint Mr G complains that Vanquis Bank Limited (‘Vanquis’) blocked a transaction on his credit card and didn’t explain why this had happened. Mr G’s unhappy with how his complaint was investigated and addressed. He’d like a formal written apology and £350 compensatio... (2 pages)View decision -
Decision Reference DRN-5880968
14 Oct 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5880968 The complaint Miss H complains that Vanquis Bank Limited irresponsibly lent to her. Miss H 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 Miss H herself. What... (3 pages)View decision -
Decision Reference DRN-5880672
14 Oct 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5880672 The complaint X complains that Vanquis Bank Limited lent irresponsibly when it approved their credit card application and later increased the limit. What happened The background to this complaint and my initial conclusion were set out in a provisional decision. I said: X ap... (5 pages)View decision -
Decision Reference DRN-5559346
13 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5559346 The complaint Miss W complains about the way in which Vanquis Bank Limited (‘Vanquis’) handled her credit account. She says it unfairly reported a default on her credit file. What happened The parties are familiar with the background details of this complaint – so I will bri... (2 pages)View decision