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-5742800
9 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5742800 The complaint Mr E complains that two credit card accounts with Vanquis Bank Limited weren’t affordable for him and shouldn’t have been provided to him. What happened Mr E applied to Vanquis Bank for a credit card account in August 2020. His application was accepted and a cr... (3 pages)View decision -
Decision Reference DRN-5689343
7 Oct 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5689343 The complaint Mr S is unhappy that Vanquis Bank Limited failed to adequately support him when he had financial difficulties and failed to provide him with adequate notice of a default. What happened Mr S had a credit card with Vanquis and, in December 2023, he complained to... (6 pages)View decision -
Decision Reference DRN-5509193
6 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5509193 The complaint Mrs S complains assessments both when she applied for an account and when her credit limit was increased. What happened Mrs S applied for a credit card account with Vanquis. It opened in March 2020, with an initial credit limit of £1000. That increased in Septe... (4 pages)View decision -
Decision Reference DRN-5636814
6 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5636814 The complaint Ms O complains that Vanquis Bank Limited irresponsibly lent to her. Ms O 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 Ms O herself. W... (3 pages)View decision -
Decision Reference DRN-5728005
2 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5728005 The complaint Mr R complains that Vanquis Bank Limited irresponsibly lent to him. Mr R 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 R himself. What happe... (4 pages)View decision -
Decision Reference DRN-5613397
2 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5613397 Complaint Mrs B has complained that Vanquis Bank Limited (“Vanquis”) irresponsibly provided a credit card as well and subsequent credit limit increases to her. She says that all of this credit was unaffordable and caused her continued financial difficulty as the repayments r... (5 pages)View decision -
Decision Reference DRN-5692452
1 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5692452 The complaint Ms C complains that Vanquis Bank Limited have irresponsibly lent to her. Ms C 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 Ms C herself. What ... (4 pages)View decision -
Decision Reference DRN-5696912
1 Oct 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5696912 The complaint Mr N complains that Vanquis Bank Limited irresponsibly lent to him. Mr N 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 N himself. W... (5 pages)View decision -
Decision Reference DRN-5849548
30 Sep 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5849548 The complaint Mr M complains Vanquis Bank Limited (Vanquis) is holding him liable for transactions made on his account that he says he didn’t make. What happened On 15 May 2024 Mr M raised concerns with Vanquis on discovering unauthorised transactions made on his account. T... (4 pages)View decision -
Decision Reference DRN-5848974
30 Sep 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5848974 The complaint Mr R is unhappy with how Vanquis Bank Limited continued to report his credit card to the credit reference agencies (CRAs) after his Debt Relief Order (DRO) completed. More recently Mr R also raised concerns about Vanquis Bank Limited’s handling of his Data Sub... (6 pages)View decision