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-5579700
26 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5579700 The complaint Mr R complains that Vanquis Bank Limited irresponsibly lent to him. Mr R 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 R himself. W... (2 pages)View decision -
Decision Reference DRN-5580155
25 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5580155 The complaint Miss J complains that Vanquis Bank Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened Miss J applied for a Vanquis credit card in October 2019. In her application, Miss J said she was ear... (3 pages)View decision -
Decision Reference DRN-5837886
25 Sep 2025 Vanquis Bank Limited Not upheldConsumer CreditDRN-5837886 The complaint Mr J complains that Vanquis Bank Limited (Vanquis) acted irresponsibly in providing him with a personal loan because it was unaffordable for him. What happened Mr J took out a personal loan with Vanquis in April 2023. The loan was for £3,000. The loan term was... (3 pages)View decision -
Decision Reference DRN-5635750
24 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5635750 The complaint Mr B complains that Vanquis Bank Limited (“Vanquis”) irresponsibly lent to him. Mr B is professionally represented, but for ease of reference I’ll mostly refer to Mr B throughout. What happened In May 2023 Mr B applied for a credit card with Vanquis. It was a... (3 pages)View decision -
Decision Reference DRN-5601198
23 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5601198 The complaint Miss R complains Vanquis Bank Limited (Vanquis) failed to carry out adequate financial checks before it approved a credit card account for her. What happened Miss R says Vanquis approved a credit card account for her in February 2020 with a credit limit of £500... (3 pages)View decision -
Decision Reference DRN-5668040
22 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5668040 Complaint Ms H 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 re... (6 pages)View decision -
Decision Reference DRN-5793378
19 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5793378 The complaint Ms J complains Vanquis Bank Limited (“Vanquis”) applied a default to her record despite her being in a payment arrangement. What happened Ms J set up a repayment plan with Vanquis that was due to last for three months at £70 per month. She was unable to stick ... (2 pages)View decision -
Decision Reference DRN-5655737
17 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5655737 The complaint Mr F complains that Vanquis Bank Limited lent irresponsibly when it approved two credit card applications he made. What happened Mr F applied for a Vanquis credit card (card 1) in March 2019. In his application, Mr F said he was self employed with an annual in... (3 pages)View decision -
Decision Reference DRN-5820061
17 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5820061 The complaint Mr W complains that Vanquis Bank Limited didn’t agree to refund him after he made a claim for incomplete renovation works. What happened On 13 April 2023 Mr W and his partner accepted a quote from a company I’ll call ‘K’ for renovation works to their home. K’s... (4 pages)View decision -
Decision Reference DRN-5791824
16 Sep 2025 Vanquis Bank Limited Not upheldBanking and PaymentsDRN-5791824 The complaint Mr B complains that Vanquis Bank Limited didn’t acknowledge that he had been made bankrupt. What happened Mr B hold a credit card account with Vanquis. A default was recorded on the account on 21 August 2023. The account was updated on 5 February 2025 following... (2 pages)View decision