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
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Decision Reference DRN-5356386
27 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5356386 The complaint Mrs F’s complaint is that Vanquis Bank Limited acted irresponsibly when it provided her with a credit card on 18 May 2019. To settle the complaint Mrs F would like Vanquis to refund all interest fees and charges on the account, plus 8% interest, and pay compens... (3 pages)View decision -
Decision Reference DRN-5372231
26 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5372231 The complaint Mr Y complains that Vanquis Bank Limited (Vanquis) shouldn’t have agreed to a credit card and subsequent credit limit increase as they were unaffordable. In bringing his complaint Mr Y is represented by a third party. For ease of reading I will only refer to Mr... (3 pages)View decision -
Decision Reference DRN-5352503
26 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5352503 The complaint Mrs S complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and went on to increase the credit limit. What happened Mrs S applied for a Vanquis credit card in August 2014. In her application, Mrs S said she was emp... (3 pages)View decision -
Decision Reference DRN-5361813
26 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5361813 The complaint Mr D complains that Vanquis Bank Limited lent irresponsibly when it approved his credit card application. What happened Mr D applied for a Vanquis credit card in January 2023. In his application, Mr D said he was employed with an income of £42,000 a year which... (3 pages)View decision -
Decision Reference DRN-5322616
26 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5322616 The complaint Ms B complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Ms B applied for a Vanquis credit card in April 2020. In her application, Ms B said she was a student w... (3 pages)View decision -
Decision Reference DRN-5382912
25 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5382912 The complaint Mr S 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 S is represented by a third party but for ease of reference I have referred to Mr S throug... (3 pages)View decision -
Decision Reference DRN-5423341
25 Mar 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5423341 The complaint Mr X complains that Vanquis Bank Limited didn’t agree to place his credit card account on hold, and that it failed to respond to correspondence. What happened Mr X holds a credit card account with Vanquis. In July 2023, he wrote to Vanquis to inform it that he’... (3 pages)View decision -
Decision Reference DRN-5422923
24 Mar 2025 Vanquis Bank Limited UpheldConsumer CreditDRN-5422923 The complaint Mr S is unhappy that Vanquis Bank Limited chose not to lend him money after initially telling him that they would do. What happened Mr S applied for a loan with Vanquis and spoke with Vanquis when completing his application. Vanquis’ agent told Mr S that he was... (3 pages)View decision -
Decision Reference DRN-5375605
24 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5375605 The complaint Ms A has complained about a credit card she took out in June 2015 with Vanquis Bank Limited. She’s said the credit card was unaffordable and shouldn’t have been approved. What happened Ms A took out this Vanquis credit card account in June 2015 with a credit li... (3 pages)View decision -
Decision Reference DRN-5412840
24 Mar 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5412840 Complaint Mr C 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 April 2020, Vanquis provided Mr C with a credit card... (3 pages)View decision
