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 1126 results
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Decision Reference DRN-5195425
7 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5195425 Complaint Mr C 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 July 2019, Vanquis provided Mr C with a cre... (3 pages)View decision -
Decision Reference DRN-5236889
7 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5236889 Complaint Mr D has complained about a credit card Vanquis Bank Limited (“Vanquis”) provided to him. He says the credit card and limit increase should not have been provided to him as they were unaffordable. Background In May 2017, Vanquis provided Mr D with a credit card wh... (3 pages)View decision -
Decision Reference DRN-5181425
2 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5181425 The complaint Mr S complains about the service he received from Vanquis Bank Limited when he contacted them to pay off his balance. What happened Mr S contacted Vanquis on 17 July 2024 and agreed to pay off his balance in full. An agent took payment from Mr S and agreed to c... (3 pages)View decision -
Decision Reference DRN-5236237
2 Jan 2025 Vanquis Bank Limited UpheldBanking and PaymentsDRN-5236237 The complaint Miss F complains that Vanquis Bank Limited irresponsibly lent to her. Miss F 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 F herself. What... (4 pages)View decision -
Decision Reference DRN-5218116
2 Jan 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5218116 The complaint Mrs H says Vanquis Bank Limited (Vanquis) were unreasonable to default her account. What happened Mrs H had a credit card account with Vanquis. She fell into arrears in 2022 and Vanquis defaulted the account in August of that year. Mrs H thought they were unrea... (2 pages)View decision -
Decision Reference DRN-5188652
20 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5188652 The complaint Miss D complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application. What happened Miss D applied for a credit card with Vanquis in June 2018. In Miss D’s application she said she was employed with an income of £17,000 a ... (3 pages)View decision -
Decision Reference DRN-5213801
20 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5213801 Complaint Mr D 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 or the credit limit increase and that they were irresponsibly provided to him. Background In June 2016, ... (3 pages)View decision -
Decision Reference DRN-4999834
18 Dec 2024 Vanquis Bank Limited UpheldBanking and PaymentsDRN-4999834 The complaint Mr U has complained about the way Vanquis Bank Limited handled an account opened fraudulently in his name. What happened Someone took out a credit card with Vanquis in Mr U’s name. Mr U has explained that he reported this to Vanquis in February 2024. But he was... (2 pages)View decision -
Decision Reference DRN-5166609
18 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5166609 The complaint Mr S complains that Vanquis Bank Limited sold his account to a third party without notifying him. What happened Mr S says his Vanquis credit card account was sold to a debt collection company without him being notified. He says he had been recently hospitalise... (2 pages)View decision -
Decision Reference DRN-5162014
17 Dec 2024 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5162014 The complaint Mr E complains that Vanquis Bank Limited irresponsibly lent to him. What happened Mr E had a Vanquis credit card which had a £150 credit limit. Vanquis increased the credit limit to £550. Mr E says that the credit limit increase was irresponsibly lent to him as... (3 pages)View decision
